There is a regression of this bug, it's reproducible in Xcode 12.0 (12A7209), but only when targeting the simulator. It works fine for a real device.
Here's an example workaround that I'm using in Swift 5.3:
#if targetEnvironment(simulator)
let pixelFormat = photoSettings.__availablePreviewPhotoPixelFormatTypes.first!
#else
let pixelFormat = photoSettings.availablePreviewPhotoPixelFormatTypes.first!
#endif
// make use of `pixelFormat`
moneymalone
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