#  Form 4506-C

URL: https://pdf.net/pdf-forms/tax-forms/form-4506-c
Category: Tax Forms
Attributes: Trusted by accountants, Official IRS form

Form 4506-C, the IVES Request for Transcript of Tax Return, authorizes an IVES participant to request your tax transcript from the IRS on your behalf.

Instead of printing a blank copy from the IRS website and then filling it out manually, you can open a fillable Form 4506-C, enter your details online, and send a signature-ready PDF to your lender.

## Versions

- 2022 — [download PDF](https://cdn.sanity.io/files/i16te7yp/production/4d955c07f8f0bc7d99dd30efce52f6df3fbf6c9a.pdf)

## How to Fill Out Form 4506-C

1. Open the printable Form 4506-C and enter your name, SSN or ITIN, and current address.
2. Add your prior address if it has changed since your last return.
3. Disclose the IVES participant information.
4. Select the transcript type and tax form number requested.
5. Enter the tax year or years you need.
6. Sign, date, and download the file to send to be able to send it to your lender.

## Facts

### What Is Form 4506-C Used For?

Form 4506-C authorizes an IVES participant to obtain IRS tax transcripts, including return transcripts and wage and income transcripts. For lenders, the purpose of Form 4506-C is to confirm whether your reported income matches your tax records, most often during mortgage underwriting or an SBA loan review.

### Who Should Use Form 4506-C?

Borrowers asked by a lender to verify income should use Form 4506-C to do so. Self-employed applicants, small business owners, and anyone applying for a mortgage, SBA loan, or other financing involving income verification will typically sign one at their lender's request. Taxpayers who simply want a personal transcript copy, without a lender involved, should use Form 4506-T instead.

### When Is Form 4506-C Due?

There's no annual filing deadline since the Form 4506-C due date works differently. Instead, the IRS must receive the signed form within 120 days of the taxpayer’s signature date, or the request may be rejected. Since lenders often use Form 4506-C during time-sensitive underwriting or closing processes, borrowers should complete and return it promptly when requested.

### What Happens If Form 4506-C Is Not Submitted?

If Form 4506-C is not submitted, IVES participants can't retrieve the transcript your lender needs, which stalls income verification and can delay or derail a loan approval. If the signed form is submitted after the 120-day signature window, the IRS rejects the request outright, and you'll need to sign and send a new Form 4506-C to restart the process.

### How and Where Do I File Form 4506-C?

You usually do not file Form 4506-C directly with the IRS yourself. After you sign it, the authorized IVES participant will submit the request to the IRS either online or by fax. If submitted by fax, the IVES participant sends the completed form, along with an IVES coversheet, to its assigned IRS campus location.

Once the IRS processes a valid request, the transcript is returned to the authorized requester through the IVES system.