TCC is working now. TCC [High Gears] unlock was keeping it locked. When I used correct .xdf ($4D) to open the .bin I was able to adjust the unlocking speed.

What is the deal with "high gears" and "low gears" settings? It's pretty weird that "high gears" setting is keeping TCC locked when the transmission is in third gear.

I also had to manually change mask byte from 4D to AA to make ECM to skip checksum test to make it work.