diff --git a/lib/checkclass.cpp b/lib/checkclass.cpp
index f8c18a6f6..e3777fdd4 100644
--- a/lib/checkclass.cpp
+++ b/lib/checkclass.cpp
@@ -2229,8 +2229,8 @@ bool CheckClass::checkConstFunc(const Scope *scope, const Function *func, bool&
             return false;
         }
 
-        // function call..
-        else if (Token::Match(tok1, "%name% (") && !tok1->isStandardType() &&
+        // function/constructor call, return init list
+        else if ((Token::Match(tok1, "%name% (|{") || Token::simpleMatch(tok1->astParent(), "return {")) && !tok1->isStandardType() &&
                  !Token::Match(tok1, "return|if|string|switch|while|catch|for")) {
             if (isMemberFunc(scope, tok1) && tok1->strAt(-1) != ".") {
                 if (!isConstMemberFunc(scope, tok1))
@@ -2244,7 +2244,7 @@ bool CheckClass::checkConstFunc(const Scope *scope, const Function *func, bool&
             for (const Token* tok2 = lpar->next(); tok2 && tok2 != tok1->next()->link(); tok2 = tok2->next()) {
                 if (tok2->str() == "(")
                     tok2 = tok2->link();
-                else if (tok2->isName() && isMemberVar(scope, tok2)) {
+                else if ((tok2->isName() && isMemberVar(scope, tok2)) || (tok2->isUnaryOp("&") && (tok2 = tok2->astOperand1()))) {
                     const Variable* var = tok2->variable();
                     if (!var || !var->isMutable())
                         return false; // TODO: Only bailout if function takes argument as non-const reference
diff --git a/test/testclass.cpp b/test/testclass.cpp
index b81c9a444..475bd5f17 100644
--- a/test/testclass.cpp
+++ b/test/testclass.cpp
@@ -174,6 +174,7 @@ private:
         TEST_CASE(const69); // ticket #9806
         TEST_CASE(const70); // variadic template can receive more arguments than in its definition
         TEST_CASE(const71); // ticket #10146
+        TEST_CASE(const72); // ticket #10520
         TEST_CASE(const_handleDefaultParameters);
         TEST_CASE(const_passThisToMemberOfOtherClass);
         TEST_CASE(assigningPointerToPointerIsNotAConstOperation);
@@ -5807,6 +5808,84 @@ private:
         ASSERT_EQUALS("", errout.str());
     }
 
+    void const72() { // #10520
+        checkConst("struct S {\n"
+                   "    explicit S(int* p) : mp(p) {}\n"
+                   "    int* mp{};\n"
+                   "};\n"
+                   "struct C {\n"
+                   "    int i{};\n"
+                   "    S f() { return S{ &i }; }\n"
+                   "};\n");
+        ASSERT_EQUALS("", errout.str());
+
+        checkConst("struct S {\n"
+                   "    explicit S(int* p) : mp(p) {}\n"
+                   "    int* mp{};\n"
+                   "};\n"
+                   "struct C {\n"
+                   "    int i{};\n"
+                   "    S f() { return S(&i); }\n"
+                   "};\n");
+        ASSERT_EQUALS("", errout.str());
+
+        checkConst("struct S {\n"
+                   "    int* mp{};\n"
+                   "};\n"
+                   "struct C {\n"
+                   "    int i{};\n"
+                   "    S f() { return S{ &i }; }\n"
+                   "};\n");
+        ASSERT_EQUALS("", errout.str());
+
+        checkConst("struct S {\n"
+                   "    int* mp{};\n"
+                   "};\n"
+                   "struct C {\n"
+                   "    int i{};\n"
+                   "    S f() { return { &i }; }\n"
+                   "};\n");
+        ASSERT_EQUALS("", errout.str());
+
+        checkConst("struct S {\n"
+                   "    explicit S(const int* p) : mp(p) {}\n"
+                   "    const int* mp{};\n"
+                   "};\n"
+                   "struct C {\n"
+                   "    int i{};\n"
+                   "    S f() { return S{ &i }; }\n"
+                   "};\n");
+        TODO_ASSERT_EQUALS("[test.cpp:7]: (style, inconclusive) Technically the member function 'C::f' can be const.\n", "", errout.str());
+
+        checkConst("struct S {\n"
+                   "    explicit S(const int* p) : mp(p) {}\n"
+                   "    const int* mp{};\n"
+                   "};\n"
+                   "struct C {\n"
+                   "    int i{};\n"
+                   "    S f() { return S(&i); }\n"
+                   "};\n");
+        TODO_ASSERT_EQUALS("[test.cpp:7]: (style, inconclusive) Technically the member function 'C::f' can be const.\n", "", errout.str());
+
+        checkConst("struct S {\n"
+                   "    const int* mp{};\n"
+                   "};\n"
+                   "struct C {\n"
+                   "    int i{};\n"
+                   "    S f() { return S{ &i }; }\n"
+                   "};\n");
+        TODO_ASSERT_EQUALS("[test.cpp:7]: (style, inconclusive) Technically the member function 'C::f' can be const.\n", "", errout.str());
+
+        checkConst("struct S {\n"
+                   "    const int* mp{};\n"
+                   "};\n"
+                   "struct C {\n"
+                   "    int i{};\n"
+                   "    S f() { return { &i }; }\n"
+                   "};\n");
+        TODO_ASSERT_EQUALS("[test.cpp:7]: (style, inconclusive) Technically the member function 'C::f' can be const.\n", "", errout.str());
+    }
+
     void const_handleDefaultParameters() {
         checkConst("struct Foo {\n"
                    "    void foo1(int i, int j = 0) {\n"