Rick, thanks for the details.  I can see how the site that I was researching got this confused.  With over 2,000 pages of this bill, it's impossible for the everyday person to understand all of these nuances!  Thanks for the clarification.  I did dig a little deeper with the info you provided, and it looks like, some articles were saying you may have until June 25, 2021 for repayments on your 2020 distribution, but I may be wrong on that as well!

Thanks!