How to Fax IRS Form 4506-C — IVES Transcript Request for Lenders
Form 4506-C is the request a taxpayer signs to authorize an Income Verification Express Service (IVES) participant — typically a mortgage lender or a verification company acting for one — to obtain their tax transcripts. It replaced the older lender-facing use of Form 4506-T and is built around the IVES program, where an approved participant's assigned number appears at the top of the form. The taxpayer authorizes exactly which transcript types and tax years the participant may pull. Because it grants a business access to a consumer's income records, every field must match IRS records precisely or the request bounces.
Why this form is faxed
IVES is a high-volume verification pipeline, and participants have historically transmitted signed 4506-C forms through the channels the IRS assigns to the program so requests reach the right queue quickly. A faxed form arrives as a fixed image the processing unit can match to the participant's IVES account. It also leaves the lender a dated record that the borrower's authorization was submitted.
Where it goes
Where a completed 4506-C goes is governed by the IVES program and the participant's own IRS onboarding, not a number a borrower should guess at — the IVES participant is issued the correct submission details when they are approved. Confirm the current channel through the IRS IVES program pages or the participant's IRS-provided instructions rather than reusing an address tied to the old 4506-T process.
How to fax IRS Form 4506-C (IVES Request for Transcript of Tax Return)
- 1Confirm the IVES participant's assigned number and information are filled in at the top exactly as the IRS issued them
- 2Enter the taxpayer's name, address, and identifying number to match the return being requested line for line
- 3Select the specific transcript products and tax years the participant is authorized to receive
- 4Have the taxpayer sign and date the authorization, then verify the participant's submission channel through current IRS IVES guidance
- 5Log in to Send FAX Mail, upload the signed PDF, enter the confirmed IVES submission number, and send
- 6Retain the transmission confirmation with the loan or verification file as evidence the request was authorized and sent
Handling sensitive information
A signed 4506-C hands a third-party business the key to a consumer's full income and tax history, pairing their Social Security number with an authorization to release records — precisely the combination that fuels loan and identity fraud. Send it only through the IVES channel confirmed for that participant, because a form routed to the wrong place can surface a borrower's financials outside the intended lender relationship.
Faxing IRS Form 4506-C (IVES Request for Transcript of Tax Return) — FAQ
The IRS restructured income verification around the IVES program and made 4506-C the form participants use, tightening how consumer transcripts are released to businesses. If a lender hands you the older 4506-T for a loan file, ask whether they actually need the current 4506-C. Using the wrong version can stall an underwriting timeline.
The IVES participant — the lender or verification company — completes their assigned identifying details before the taxpayer signs. Those top fields tie the request to an approved IRS account, so they cannot be left blank or invented. The taxpayer's job is to verify the rest of the form matches their records and to sign it.
The 4506-C is designed for IVES participants, not for an individual pulling their own transcript. A taxpayer who just wants their own transcript generally uses Form 4506-T or the IRS online transcript tools instead. Check with whoever requested the form about which one your situation calls for.
The IVES system rejects requests where the name, address, or identifying number doesn't match what the IRS has on file, and the transcript won't be released. Compare each entry against the actual filed return before faxing. Keeping the send confirmation helps the lender document exactly when a corrected request went out.
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