This is the same problem as the closed discussion topic from a year ago, January 2024:
UI Element Missing: No Settings Gear on Registers
UI Element Missing: No Settings Gear on Registers — Quicken
The solution for me was the same as presented by @Chris_QPW and @Hossy in the previous closed discussion
- Copy your data file in Quicken using the "Create a copy or template" option in File>Copy or Backup File (use earliest possible date to current date to copy the entire file)
- Open the copy file — the gear icon is displayed again above the plus sign in upper right of register — (but note that the accounts in the copy are disconnected from online services)
- Open the original file again, and the gear icon should be displayed as normal.
The earlier discussion also mentioned that the problem could recur, but I haven't seen it again until after this latest update.