Is Federal Tax withholding required on RMD?

I realize record keeping platforms generally indicate 10% will be withheld unless the participant elects something different (implied higher.)

But can a participant elect zero withholding on an RMD? Example below. Thank you.

6 minutes ago, Tom said:

can a participant elect zero withholding on an RMD?

Yes

Quote

Is Federal Tax withholding required on RMD?

No

State withholding rules may differ.

Also, note that it is NOT 20%, as that percent withholding applies to payments that could be rolled over to an IRA.  The RMD is not rollable, thus the 10% withholding applies unless another percent is chosen.

That blurb seems correct. In recent years, some platforms have gotten more strict about requiring a participant to submit an actual W-4 instead of just electing out on their distribution forms if they don't want the 10% but you can elect out of withholding for federal purposes or elect more if you are in a high tax bracket.