Ah, so what you're saying is that essentially most folks are not reporting ANY distribution (for the first time) from 2020 for their 2021 tax return ... Most are just reporting the fact that they previously took out a distribution in 2020 (which they already reported and paid the 1st year of taxes on via 8915-E) and now need to cover the 2nd and 3rd years of taxes (in 2021 and 2022 tax years, respectively, via 8915-F).
That also completely changes the interpretation of that passage in the draft of form 8915-F. Man, the IRS sure can be confusing (said everyone always).
Any other insight or confirmation of all this would be appreciated.
Thanks,
Chris
