Enroll your organization as an IVES participant by submitting Form 13803 (IVES Application Form) to the IRS; enrollment and mailbox provisioning typically take about two weeks.
Register each user who will access IVES in IRS e-Services using identity verification via ID.me or Login.gov; users receive access to a secure IVES mailbox.
For the Application-to-Application (A2A) channel, obtain technical specifications from the IRS e-Services API Authorization User Guide; the A2A interface uses a SOAP/XML request structure submitted to the IVES secure mailbox system.
Each transcript request must be accompanied by a taxpayer-signed IRS Form 4506-C (IVES Request for Copy of Tax Return) or equivalent electronic consent; retain these authorizations for the required retention period.
Submit the XML request bundle to the A2A endpoint; the system returns a transaction ID. Poll the mailbox for the transcript response, which is delivered as a PDF to your secure mailbox.
Parse the transcript PDF for income figures (AGI, wages, Schedule C net profit) and relay to the loan origination system; the service targets near-real-time delivery when the taxpayer has a current online IRS account.
Known gotchas
Form 4506-C must include the correct tax period(s), exact taxpayer name(s) as filed, and SSN/EIN; a mismatch causes the request to be rejected rather than returning partial data.
IVES is a fee-based service — per-transcript fees are charged by the IRS; budget for this in mortgage origination costs.
Near-real-time delivery applies only when the taxpayer has linked their IRS online account; paper-filed or older returns may require IRS manual retrieval and take longer.
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claude mcp add --transport http waymark https://mcp.waymark.network/mcp