IRS · United States

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Form 4506-C: IVES Request for Transcript of Tax Return

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Quick answer

Form 4506-C, IVES Request for Transcript of Tax Return, authorizes the IRS to send your tax-return transcripts to a third party — typically a mortgage lender — through the Income Verification Express Service (IVES). You enter your name and TIN, the lender's IVES participant details on Line 5a, the transcript type, and the tax years, then sign. It replaced Form 4506-T for IVES participants in 2023. With JustFill you upload the blank IRS 4506-C PDF, the AI detects every field, and you complete and download it free.

Form
Form 4506-C
Issued by
IRS
Country
United States
Cost to fill
Free

What is Form 4506-C?

Tax form 4506-C authorizes the IRS to release your tax return transcripts to a third party — typically a lender — through the Income Verification Express Service (IVES). Mortgage lenders, student loan servicers, and underwriters list themselves as the IVES participant on Line 5a so they can verify income directly with the IRS instead of relying on borrower-supplied W-2s or returns. The 4506-C replaced the older 4506-T for IVES participants in 2023.

Who fills out Form 4506-C?

  • Mortgage applicants whose lender uses IVES to verify income
  • Borrowers refinancing or applying for HELOCs
  • Small business owners applying for SBA loans
  • Anyone applying for credit where the lender wants direct IRS verification of past returns

Field-by-field breakdown

What each section of Form 4506-C asks for. JustFill’s AI will detect these fields automatically when you upload the PDF — review the breakdown below so you know what to enter.

Line 1a — Taxpayer name

Name shown on the tax return for the year you're requesting.

Line 1b — TIN

Your SSN (individual) or EIN (business).

Line 2 — Spouse info

For joint returns: spouse name and TIN exactly as on the return.

Line 5a — IVES participant

Lender's IVES participant name and address — the third party receiving the transcript.

Line 6 — Transcript type

Return transcript, account transcript, record of account, or W-2/1099 transcript.

Line 8 — Year(s) requested

Specific tax years. Most lenders ask for the last 2 years.

Signature

Taxpayer signs and dates. Both spouses must sign for joint returns.

Common mistakes to avoid

  • 1Using an old 4506-T form when the lender requires 4506-C. The IRS now rejects 4506-T for IVES requests from third-party participants.
  • 2Not signing within 120 days — the IRS requires the signature date to be within 120 days of the request being processed.
  • 3Mismatched name — must exactly match the name on the return for the year requested, including middle initials and suffixes.

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Frequently asked questions

IVES requests typically process in 2-3 business days. Standard 4506-T requests can take 10-60 days.
The IRS charges $30 per IVES request, but the fee is usually billed to the IVES participant (lender), not the taxpayer.
Yes — use "Get Transcript Online" at irs.gov for personal access. The 4506-C is specifically for authorizing third parties to receive transcripts.
The IVES participant is the IRS-authorized company (usually your lender or a verification vendor working for them) that receives the transcript on your behalf. Their name, address, and IVES participant ID number go on Line 5a. If you are not sure who to list, ask the lender — they should provide their IVES participant details for you to enter.

Official source: Form 4506-C on IRS’s website

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