The more I read the more opinions I see. In regards to the APR/Finance charge tolerance form the early to final til, I understand it as The Final APR cannot exceed the early by more than .125%. The final Finance charge cannot exceed the early by more than $100. Understatement for both on the final is deemed ok.

We've had many discussions on this in the past. Here is one example:
http://www.bankersonline.com/forum/ubbthreads.php?ubb=showflat&Number=1411335

I've always taken the stance that if the APR varies by more than the allowed tolerance of .125% - either way - we redisclose. Some may have a different interpretation.

As I always say, there is greater risk in under-disclosing than over-disclosing. When in doubt, disclose.