I am 58 years old and had to take $20000 out of my IRA account in April 2020. Subsequently I was able to find a different source of funds and would like to repay this money to avoid the early withdrawal penalty. The 60 day period for repayment without a penalty is already over. My bank has no clue if or how the CARES Act affects this, hence I came to this forum to seek some guidance. I am unable to decipher the multitude of IRS publications to my satisfaction.