Retirement tax questions

When I try to file a substitute 1099R, it is asking me to explain how I tried to get a 1099R. I know I’ll receive it next year in 2026. But now, TT is saying I owe 10% on early distribution. From my understanding there is a new law that removes the 10% early withdrawal penalty on earnings removed with excess if you do it timely. Is the distribution code correct? 

This is from Fidelity.  

• Are the earnings on my timely return of excess request subject to a 10% early withdrawal penalty if ...

  No, the SECURE 2.0 Act of 2022 removed the 10% early withdrawal penalty on earnings removed with excess and non-deductible contributions for IRA owners under 59.5. However, earnings must be included in income in the year the excess or non-deductible contribution was deposited into your IRA.