Hi,
I am aware of a regression in kernel 5.6 (not yet fixed as of 5.9) which produces the exact symptom you described - impossibility to use AP mode on any 5GHz channel, due to country/regulatory issues.
However the wireless-regdb package is not directly involved in the issue I'm talking about (as I understand it), so rebooting into a 4.x series kernel should immediately fix it (at least, on my Turris Omnia, it does).
Therefore it might or might not be your same issue.
A non-exhaustive list of references:
I'm just trying to spare you the many many hours of debugging that I spent before finding that out :)
Best regards,
Massimo Maggi