I found an Oracle patch for this that seems to work - but no README available, nor installation instructions - OPatch does not like it ... so extracted from instantclient.zip (?) into orahome\bin ; my previous 19.20 now have a 19.19 oci.dll (hmmm...) and pass that tests from Marek and mine for our ERP.
Patch 35353768 and Note on Doc ID 2978992.1