The IRS Income Verification Express Service (IVES) lets you authorize banks and lenders to access your tax records when you apply for a mortgage, loan, or other service.
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 account, or through your lender with Form 4506-C, IVES Request for Transcript of Tax Return.
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.