Return of 2020 RMD included with a CRD

[bzorc]

An individual withdraws $100,000 as a CRD in 2020, and the $100,000 includes the individual's 2020 RMD. Can the RMD be repaid in 3 years, as it was part of the CRD?

[Lou S.]

DB plan or DC plan? There were no required RMDs for 2020 for DC plans so if it was a CRD in 2020 it can be rolled back until 12/31/2022.

If it was a DB plan the RMDs were still required an can't be rolled back.