The IRS Income Verification Express Service (IVES) lets you authorize banks and lenders to access your tax records when you apply for a mortgage or loan.
The IRS only provides tax records to a third party with the consent of the taxpayer.
You can authorize a lender to request your tax transcript through your online account or fax, with Form 4506-C, IVES Request for Transcript of Tax Return. Find out how to review a request, authorize a request, or reject a request below.
If you're a mortgage lending company, including banks, credit unions, or others, you can participate in IVES by completing the application process. Submit transcript requests online or by fax with Form 4506-C, IVES Request for Transcript of Tax Return.
Use Form 4606-C, IVES Request for Transcript of Tax Return, to request tax return information through an authorized IVES participant.