Do I have to offer the user granular selection options in the first banner layer with TCF?

No. With TCF 2.0 only the purposes for which third-party providers use data and the stacks need to be listed. At present, there is no obligation for CMPs to offer users a granular selection option at first. However, it is up to the publisher whether to offer this via the CMP anyway or carry out appropriate amendments if local laws should require this.