Income Verification Express Service

The Income Verification Express Service (IVES) program is used by mortgage lenders and others within the financial community to confirm the income of a borrower during the processing of a loan application. The IRS provides return transcript, W-2 transcript and 1099 transcript information generally within approximately 2-3 business days (business day equals 6 a.m. to 2 p.m. local IVES site time) to a third party with the consent of the taxpayer. 

The transcript information is delivered to a secure mailbox based on information received from a Form 4506-C, IVES Request for Transcript of Tax Return.  A $2.00 fee is imposed on each Non- Qualified Transcript and $5.00 fee is imposed on each Qualified transcript requested. Note: Per the Taxpayer First Act, a “qualified disclosure” means a disclosure under section 6103(c) of the Internal Revenue Code of 1986 of returns or return information by the IRS to a person seeking to verify the income or creditworthiness of a taxpayer who is a borrower in the process of a loan application. 

This service automates the delivery portion of the process. Customers log on to to retrieve their requested transcripts from a secure mailbox located on the e-Services electronic platform. The “front end” of the process remains the same. Customers will need to fax the signed Form 4506-C, IVES Request for Transcript of Tax Return, to one of the three designated RAIVS units. 

As a result of upgrades to our e-Fax services it was necessary to change the IVES fax numbers when requesting products for those participants aligned with Fresno and Ogden. The new fax numbers are:

Participants encountering problems with the Registered User Portal (RUP) should contact the E-Services Help Desk at 866-255-0654.

Please note that any transcript requests received after 2:00 p.m. the business day prior to a holiday will be considered received on the day following the holiday. For example, if the holiday is on a Monday and the transcript is received after 2:00 p.m. on the Friday before the holiday, then the request is considered received by the IRS on Tuesday morning.

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