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. Income verification for taxpayers 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. IVES for taxpayers Income verification for participants 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. IVES for participants Forms Form 4506-C, IVES Request for Transcript of Tax Return PDF Use Form 4606-C, IVES Request for Transcript of Tax Return, to request tax return information through an authorized IVES participant. Related IRS Statement suspending the IVES policy change IVES frequently asked questions Get your tax record IRS information sharing programs