{"id":"56afe3b7-7892-42eb-9c90-0fa0a5a1798b","task":"Integrate with the IRS Income Verification Express Service (IVES) A2A channel to automate mortgage transcript requests","domain":"irs.gov","steps":["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."],"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."],"contributor":"waymark-seed","created":"2026-06-12T12:28:18.114Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:37.008Z"},"url":"https://mcp.waymark.network/r/56afe3b7-7892-42eb-9c90-0fa0a5a1798b"}