4506-C Generator Authorize your lender’s transcript request

Complete IRS Form 4506-C for a mortgage or loan application. Every entry appears on the official form as you type, and you can sign on screen or print it and sign in ink.

View the form on IRS.gov

How to fill it out: IRS instructions (page 2)

Taxpayer

Names and numbers exactly as they appear on the return. The form has room for 12 characters of a first name and 22 of a last name.

First name

Last name or company *

For a business, put the company name in Last name and leave the rest blank.

SSN or ITIN EIN

Social Security number or ITIN *

Line 1b. It prints with the dashes, as the IRS asks.

Previous name (Line 1c) Optional

Only if the name on your last filed return is different from the name above.

First name

Last name

Request transcripts of a joint return for both spouses Adds your spouse on Line 2. Both of you then have to sign.

Spouse’s first name *

Spouse’s last name *

Spouse’s SSN or ITIN *

Spouse’s previous name (Line 2c) Optional

First name

Last name

Address

Your current address. Include an apartment, room, or suite number in the street line.

Street address *

City *

State *

ZIP code *

Previous address (Line 4) Optional

The address on your last filed return, if it’s different from the one above.

Street address

City

State

ZIP code

Haven’t told the IRS about the move? The instructions say to file Form 8822 (or Form 8822-B for a business) with this form.

IVES participant and client

Your lender or the verification company gives you these details. The transcripts go to them, not to you.

IVES participant name *

IVES participant ID number *

SOR mailbox ID *

Street address *

City *

State *

ZIP code *

The client is the IVES participant above Line 5d can’t be blank. If the participant is also the company receiving your transcripts, its details are repeated there.

Client name (Line 5d) *

The company that receives the transcripts from the IVES participant, often your lender.

Client telephone number *

Client street address *

City *

State *

ZIP code *

Customer file number and unique identifier (Lines 5b, 5c) Optional

Customer file number

Up to 10 digits that will print on the transcript. Never an SSN, ITIN, or EIN.

Unique identifier

Up to 10 letters or numbers that show in the participant’s mailbox file.

Transcripts

Check with the party asking for your tax information if you’re not sure which transcripts they need.

Transcripts requested * Return transcript (Line 6a)Most line items of the return as filed. Account transcript (Line 6b)Payments, penalties, and changes made after filing. Record of account (Line 6c)The return and account transcripts combined. Wage and income transcript (Line 7)Data from Forms W-2, 1099, 1098, and similar returns.

Tax form number (Line 6) *

One form number for all Line 6 transcripts, such as 1040, 1065, or 1120.

Information return types (Line 7a)

Up to three, such as W-2 or 1099-G. Leave blank to get all of them.

Form 1 (optional)

Form 2 (optional)

Form 3 (optional)

Whose wage and income transcripts (Line 7b)

Taxpayer on Line 1a

Spouse on Line 2a Check neither and the IRS sends transcripts for both.

Year or period requested (Line 8)

The end date of each tax year or period, such as 12/31/2025 for calendar year 2025. Enter each quarter for quarterly returns. Up to four.

Period 1 ends *

Period 2 ends (optional)

Period 3 ends (optional)

Period 4 ends (optional)

Sign and date

Sign only after Lines 5 through 8 are filled in. The IRS must receive the form within 120 days of the signature date.

Read the declaration

I declare that I am either the taxpayer whose name is shown on line 1a or, if applicable, line 2a, or a person authorized to obtain the tax information requested. If the request applies to a joint return, at least one spouse must sign; however, if both spouses’ names and TINs are listed in lines 1a-1b and 2a-2b, both spouses must sign the request. If signed by a corporate officer, 1 percent or more shareholder, partner, managing member, guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to execute Form 4506-C on behalf of the taxpayer.

I’ve read the declaration and have the authority to sign this Form 4506-C The IRS won’t process the form if this box is unchecked.

How will you sign?

Sign here Sign on paper

Only if your IVES participant accepts electronic signatures. We’ll tick “Signatory confirms document was electronically signed” for you.

The signature and date lines stay blank. Print the form, then sign and date it in ink.

Signature for Line 1a *

Draw Type

Sign here

Date *

Print/Type name (optional)

The person signing. Leave blank to use the name on Line 1a.

Phone number of the taxpayer on Line 1a or 2a (optional)

Title (optional)

Only if Line 1a is a corporation, partnership, estate, or trust.

Signed by an authorized representative Only with a Form 2848 that gives this authority (Line 5a) attached.

Spouse on Line 2a

Spouse’s signature *

Draw Type

Sign here

Spouse’s signing date *

Spouse’s Print/Type name (optional)

Leave blank to use the name on Line 2a.

Spouse’s form signed by an authorized representative

0 of 11 required

Preview

0 of 11 required

Complete the required fields to download or print your 4506-C.

Still needed:

Downloaded. Return the signed form to your lender or the IVES participant on Line 5a. They send it to the IRS, so don’t mail it yourself, and the IRS has to receive it within 120 days of your signature. Running loan intake? Build a borrower form

View the form on IRS.gov

How to fill it out: IRS instructions (page 2)

Disclaimer: forms.app offers this Form 4506-C generator and the IRS form it fills at no cost. forms.app is not an IVES participant, is not affiliated with the Internal Revenue Service, doesn’t submit transcript requests, and doesn’t provide tax, legal, or lending advice. You are responsible for the accuracy of every entry and for giving the signed form to the right IVES participant. Form 4506-C is published by the IRS; read about the program at irs.gov (IVES) and get the current form at irs.gov. If you have questions about your loan or your tax records, ask your lender or a tax professional. Found something on this page that’s wrong or out of date? Let us know.

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What Form 4506-C is for

Form 4506-C, IVES Request for Transcript of Tax Return, lets you authorize a company in the IRS Income Verification Express Service (IVES) to get your tax transcripts straight from the IRS. Lenders use it most often to confirm income for a mortgage or other loan.

The IRS stopped mailing Form 4506-T transcripts to third parties in July 2019, so banks, mortgage lenders, and credit unions verify income through IVES instead. You name the IVES participant on line 5a and the client company that will receive the transcripts on line 5d, choose the transcripts and years, and sign. The participant, not you, sends the form to the IRS. Individuals can also approve a lender’s request in their IRS online account; see IVES on IRS.gov.

How the 4506-C generator works

Your lender usually supplies the IVES participant’s name, ID number, and SOR mailbox ID, and often tells you which transcripts and years to request. Enter the taxpayer’s name and number as they appear on the return (the form fits 12 characters of a first name and 22 of a last or company name), your current address, the participant and client details, the transcripts, and the year end dates. Then tick the attestation box and sign.

Each entry is placed on the official form as you type. Sign on screen only if the IVES participant accepts electronic signatures; the generator then ticks the electronic signature box for you. Otherwise print the form and sign in ink. More IRS forms are in our tax form generators.

What you might ask about Form 4506-C

Who sends Form 4506-C to the IRS?

The IVES participant named on line 5a, usually your lender or a verification company working for it. Participants send the form with an approved IVES cover sheet, by fax to their assigned IRS service center or online. You give the signed form back to the lender and don’t mail it to the IRS yourself.

How is Form 4506-C different from Form 4506-T?

Form 4506-T asks the IRS to mail transcripts to you at your address of record. Form 4506-C sends them to an IVES participant you authorize, so a lender can verify your income directly. Use the form your lender or the requesting company asks for.

Is this 4506-C generator free?

Yes. Filling out, signing, downloading, and printing are free, and you don’t need an account.

Is my information safe?

Your entries never leave your browser. The PDF is built on your device, and forms.app doesn’t upload or store anything you type, including your SSN or EIN. Download the form before closing the page, because nothing is saved.

Can I sign Form 4506-C electronically?

Only if the IVES participant has opted in to accept electronic signatures, so check with your lender first. An e-signed form must have the “Signatory confirms document was electronically signed” box checked; the generator ticks it when you sign on screen. If the participant doesn’t accept e-signatures, choose Sign on paper and sign the printout in ink.

Do both spouses have to sign?

If both spouses’ names and taxpayer ID numbers are listed on lines 1a–1b and 2a–2b, both must sign. Fill in line 2 only when the joint return’s transcripts are requested for both of you. A representative can sign only with a Form 2848 that grants that authority attached, and the Authorized Representative box must be checked.

How long is a signed Form 4506-C good for?

The IRS must receive it within 120 days of the signature date, or it’s rejected. If that window passes before your lender submits it, you’ll need to sign a new one.

Which transcripts can a lender request?

Line 6 covers a return transcript, an account transcript, or a record of account for one tax form number, such as 1040, 1065, or 1120. Line 7 requests wage and income transcripts for up to three information return types, such as W-2 or 1099; leave it blank and all types are sent. Line 8 lists up to four year or period end dates.

Your 4506-C isn’t ready to print yet

Fill in the required fields on the page (name, taxpayer ID number, current address, IVES participant, client, transcript type, year or period, the authority box, signature, and date), then print again.

Form 4506-C preview Click any box to edit it