In brief, the oil filter on a 2020 Honda Accord is a cartridge-style unit mounted under the engine near the oil pan, and it is accessed from beneath the vehicle rather than from the top. This applies to both the 1.5-liter turbo and the 2.0-liter turbo engines used in that year.
Two engines, one general location
For the 2020 Accord, Honda offered a 1.5L turbocharged engine and a 2.0L turbocharged engine. In both configurations, the oil filter is cartridge-style and sits in a housing at the bottom of the engine, not in an easily visible location on the top of the engine bay. You typically reach it by crawling under the front of the car and removing the lower splash shield or undertray.
Engine-specific notes
The exact access point can vary slightly depending on trim and option packages, but the general arrangement remains the same: a bottom-mounted cartridge filter that requires undercar access to service. Always verify with the owner's manual or a shop manual for your exact build if you plan to replace the filter yourself.
How to locate it on your vehicle
If you intend to inspect or replace the filter, use these general guidelines to help locate it. There is no top-side filter on these engines, so you will generally find the filter housing beneath the engine near the oil pan, behind the front bumper area.
Summary
The oil filter on a 2020 Honda Accord is a cartridge-style filter located under the engine near the oil pan, accessible from beneath after removing the undertray or splash shield. This arrangement is common to both the 1.5L and 2.0L turbo engines; always consult the owner's manual or a service manual for your exact build to confirm the location and servicing steps.