Integrate with the IRS Income Verification Express Service (IVES) A2A channel to automate mortgage transcript requests

Steps

1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. 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.