A wash sale is triggered when a triggering transaction (buy) is done within the wash sale window.
The loss is then denied in whole or in part.
The amount of the denied loss is added to the triggering transaction's basis.
The issue is, since the triggering transaction is never reported (it's in an IRA), you can never take that loss as a deduction on your tax return.
I suspect, many traders will ignore the rule since there's no way for the IRS to know, given current broker reporting.
That could change in the future.
If TD cross checks your regular account and Roth IRA account for this situation, that's news to me.
