Whelp, in that case got no clue wat's-cha-gots-dar. "Replacement fender" by who, what, when, where, how? The 1955 Phantom without locking fork I gots too. You're looking at it in my little profile photo, that uses the center mount hanging bracket. I've also got the other, with lock, that uses the first bracketed clip. As somebody said earlier, that; you need the type for without fork lock, I doubt would solve this. It's not the lock positioning but the crown, old and new type. #2800 (old style) and #2802 (new style)
There's only 2 kinds that I know of. Yet, it seems that, it's not a bracket to solve your problem, it's the fork. You've probably got a repop fender 1995. That's made for Schwinn's earlier springer fork crown, #2800 (old style) pre-1954 (see below illustrations) . Your mounting hole is 'aft;' because, pre 54 fork crown pivot bolt is also set back whereas, post 54 #2802 (new style) the pivot bolt is centered below the crown.
Personally, I've never tried swapping the fenders nor given it much thought. I'm missing the front fender on my 55 and have considered buying a repop. I've never heard of anybody running into this problem too. However, if there is a 3rd type of clip, an adaptable cross that hangs off the pivot bolt post 1954 to 2002 I donno. Possibly, I imagine it's going to be just like the center hanging U bracket and have an extension on 1 side to reach the mounting hole of the fender. If you were to bolt a flat bracket onto the U bracket, it'll prob scratch the top of fender and rust, Perhaps you'll need to braze an extension on it. Or, as it's just a flat metal bracket with 3 holes, 2 larger for pivot bolt 1 small for fender screw then bent into the U shape. you could have a sheet metal shop make it. Rather than just a straight sheet metal with the holes, it would be a T shape, 2 holes for pivot bolt in the same place and the fender screw on the leg of the T. The same bent angles the U bracket has, and the leg of the T would be the length you need to mount the pre-1954 fender size.
Did Schwinn make that post 54, or even 1995 or later? I donno, but it would shape the "Thingy" as you call it. Or for lack of better description; Extended U bracket for Pre-1954 and 1995 phantom repop fender: adapted fender clip for post 1954 (type II or 'New style' see below), Springer . .
Maybe I ought to patent it!
Then, with an exclusive design patent, I can pawn it off to the needy for $59 bucks a pop, sue copy-cats for their life's savings, and get rich. [grin]
Or, back in the 50's Schwinn prob, short of selling you a new fender, just drilled another hole to fit it.
Old style, pre 1954 and 1995 repop:
View attachment 769579
New Style post 1954:
View attachment 769580