Morado is a fully certified IRIS A2A transmitter filing 1099-INT, 1099-R, 1099-C, 5498, 1098, and 1098-VLI directly to the IRS through IRIS under its own production TCC. Morado supports the full information return series. You file under Morado's TCC, your team keeps the process in-house, and average processing time is under 10 minutes for 50,000 forms.

Book a demo → See Morado at production volume →

Your year-end process was built for FIRE

For two decades the credit union year-end has looked the same. Your core runs its year-end job. The job writes an IRS Publication 1220 file. Someone on your team signs into the FIRE portal, uploads the file, and saves the receipt.

That routine is ending. The IRS's target date to retire FIRE is December 31, 2026, and IRIS will be the only intake system for information returns in Filing Season 2027 (IRS Working Group Q&A, January 14, 2026).

Here is the part that matters: the file your core produces does not change. The system that accepts it does. FIRE took fixed-width Pub 1220 records. IRIS takes XML and validates every record at intake.

What filing in-house through IRIS actually takes

IRIS is not FIRE with a new login. Filing through the IRIS A2A channel yourself means building and maintaining:

An IRIS TCC. FIRE TCCs do not carry over. An IRIS TCC takes up to 45 days.
ID.me identity proofing for each responsible official on the application.
X.509 certificates and JWKS key hosting for A2A authentication.
OAuth2 and mTLS connectivity to the IRS transmission endpoint.
The IRIS XML schema. Fixed-width Pub 1220 records become nested XML, and the IRS publishes a new schema version every year.
ATS testing. The IRS assurance testing cycle, repeated annually before production filing.

The free alternative is the IRIS Taxpayer Portal, which caps CSV uploads at 250 records per file (PY2026), with corrections keyed manually. At 30,000 1099-INTs, that is more than 120 uploads every January.

Morado is the third path. You file under Morado's production transmitter TCC. You skip: the TCC application · ID.me proofing · X.509/JWKS cert setup · annual ATS testing.

Start from the file your core already produces

Your year-end job is not wasted work. Morado ingests the Publication 1220 file your core already writes and transmits it through IRIS A2A.

Your platform	What you export	What Morado does with it
Jack Henry Symitar (Episys, Quest)	Year-end Pub 1220 IRS file	Ingested directly, validated, transmitted through IRIS A2A
Corelation KeyStone	Pub 1220 IRS file	Same pipeline
Fiserv (DNA, Portico, Spectrum, XP2)	Pub 1220 IRS file	Same pipeline
FIS (Hogan, Miser)	Pub 1220 IRS file	Same pipeline
CU*BASE	Pub 1220 IRS file	Same pipeline
Data warehouse, servicing system, AP system	XLSX or CSV	Mapped with your team's review, then the same pipeline

If your core writes a Publication 1220 file, Morado ingests it. No re-keying, no vendor template. Spreadsheet and CSV exports work the same way: your team reviews and confirms every mapping before anything transmits.

The credit union form mix

1099-INT at membership scale. Your share dividends are interest to the IRS, and they belong on 1099-INT. A 50,000-member credit union files 30,000+ of them every January. A multi-billion-dollar institution files 100,000+. The largest credit unions file a million-plus information returns a season.

1099-R and 5498 for the IRA program. Every distribution and every contribution, including the recharacterizations that arrive after you thought the season was closed.

1099-C and 1099-A on charge-offs and repossessions. Cancelled debt has its own required fields (debt amount, identifiable event date, debt description), and a repossession can require both forms. Morado validates each against the IRIS rules before transmission.

1099-NEC and 1099-MISC out of accounts payable. Vendors, contractors, attorneys, prize and incentive payments.

1098 on the mortgage portfolio you service. If you service your own mortgages, 1098 files through IRIS with everything else.

1042-S for nonresident alien members is supported as well.

New for tax year 2026: Form 1098-VLI on your auto portfolio

Credit unions are auto lenders first, and the newest information return lands squarely on the auto portfolio. Form 1098-VLI (Vehicle Loan Interest Statement) is required beginning with calendar year 2026 interest, created by the One Big Beautiful Bill Act alongside the new car loan interest deduction.

If you received $600 or more in interest on a qualifying passenger vehicle loan during 2026, you file. Copy B is due to borrowers by January 31, 2027. The base penalty is $340 per return, and a return that misses both the IRS filing and the borrower copy stacks to $680.

The form asks for data most servicing systems do not track at year-end: the 17-character VIN, US final assembly status, and the SPVL allocation on mixed-purpose loans. Morado supports 1098-VLI in the same pipeline as your 1099 series, from servicing export to IRS submission to borrower copy.

Read the complete 1098-VLI guide for lenders →

Validation before anything transmits

FIRE checked file format. IRIS checks the contents of every record and rejects at intake.

Morado runs the same rules first, before the IRS sees anything. Every batch is validated against the IRS schema (TIN formatting, address character classes, dollar amount precision) and the IRIS business rules (recipient account uniqueness, payee name controls, transmitter and issuer separation). Issues surface in a report your team can open in Excel, fix at the source, and re-run. No record reaches the IRS without passing preflight.

Corrections, fully in-house

Corrections are a season of their own at a credit union. Interest reallocated after year-end. IRA recharacterizations. A member disputes a 1099-C and the workout officer agrees.

Morado files corrections through the same IRIS A2A pipeline as originals, with the same validation and the same audit artifacts. Fix the record, and Morado transmits the correction. No separate portal, no manual re-keying.

An audit trail your examiners can walk

Two layers, both retained.

Per batch, six artifacts: the original workbook, canonical JSON, payer configuration, transmitted XML, the IRS submission acknowledgment, and the IRS status response, retained at a stable path.

Per action, a user-level trail: who uploaded, who approved, who transmitted, and when, with self-serve export. Role-based access separates who can prepare, who can approve, and who can transmit.

NCUA exam ready, IRS exam ready, member dispute ready.

Your cloud or ours

Two ways to run Morado.

BYOC (bring your own cloud). Morado deploys inside your own cloud environment. Member data never leaves your cloud. For vendor due diligence, the data-flow diagram ends at the perimeter your examiners already scoped.

Managed. A dedicated, isolated environment operated by Morado.

Either way, your audit requirements drive the architecture.

Member copies, delivered

Every filing generates recipient Copy B PDFs. Deliver them through a secure portal, or have Morado print and mail them. Same pipeline, same audit trail as the IRS side.

State filing pass-through

Most states still accept Publication 1220 format for state information return filings while the IRS moves to IRIS XML. Morado generates state filings in the format each state requires, including Combined Federal/State Filing where applicable. Multi-state credit unions keep one pipeline: one upload, both formats.

Proof: production volume, zero rejections

Morado has filed 94,000+ information returns in production in a single tax year with a 0% IRS rejection rate, and delivered ~188,000 recipient PDFs through a secure cloud portal.

Read the full case study →

(Different industry, same pipeline. Volume and rigor translate.)

How pricing works

Seasonal pricing by volume tier, quoted up front. You know the season's cost before you file.

Who Morado works for

Community credit unions filing thousands of 1099-INTs annually
Multi-state credit unions managing federal IRIS plus state-by-state Pub 1220 filings
Credit unions with IRA programs filing 1099-R alongside 5498
Credit unions servicing their own mortgage and auto portfolios filing 1098 and 1098-VLI
Mortgage subservicers filing 1098, 1099-A, and 1099-C across many portfolios
CUSOs and credit union service organizations filing 1099-NEC and 1099-MISC for vendors and contractors

How it works

Upload your data. The Pub 1220 file from your core's year-end job, or XLSX and CSV from your warehouse, servicing system, or AP system.
Confirm the mappings. Morado proposes the mapping; your team reviews, confirms, or overrides before anything moves.
Review the preflight report. Every schema and business rule issue, fixable in Excel, before transmission.
Morado transmits under its production TCC. Directly to the IRS through IRIS A2A over mTLS.
Artifacts land in your audit trail. Acknowledgments, status responses, and member copies, retained at a stable path.

See Morado against your January volume

30 minutes with a Morado engineer. Walk through the pipeline against a sample of your real member data, anonymized if you prefer.

Book a demo →

Frequently asked questions

Is Morado built for credit-union-grade data sensitivity? Yes. Deploy BYOC and member data never leaves your cloud, or use a dedicated, isolated environment operated by Morado. Storage is per-project, per-user, with row-level security enforced at the database layer. Logs are scrubbed at the boundary. Every action is attributed: who uploaded, who approved, who transmitted, and when.

Can Morado run inside our own cloud? Yes. BYOC deployment runs Morado inside your cloud environment, so your data never leaves your cloud. The managed alternative is a dedicated, isolated deployment operated by Morado.

Can we keep using our core processor's year-end export? Yes. If your core writes a Publication 1220 file (Symitar, KeyStone, Fiserv, FIS, CU*BASE, or any other), Morado ingests it directly. XLSX and CSV exports work too, with mappings your team reviews and confirms.

Does Morado file 1098 through IRIS? Yes. The IRS added the 1098 series to IRIS in 2024. Morado files 1098 alongside the 1099 series through IRIS A2A under its own production TCC.

What about Form 1098-VLI for our auto loans? Morado supports 1098-VLI in the same pipeline as the 1099 series: servicing export in, validation, IRS submission through IRIS, borrower Copy B out. First mandatory filings cover calendar year 2026 interest. Read the complete guide →

Does Morado handle 5498 alongside 1099-R for our IRA program? Yes. The full 1099 series and 5498 are supported through IRIS A2A, including corrections for recharacterizations.

How do corrections work? Corrected returns file through the same IRIS A2A pipeline as originals, with the same validation and audit artifacts. Fix the record, and Morado transmits the correction.

Can Morado deliver our member copies? Yes. Recipient Copy B PDFs are generated for every filing and delivered through a secure portal, or printed and mailed by Morado.

What about state filing? Most states still accept Publication 1220 format alongside IRIS. Morado generates state filings in the format each state requires, including Combined Federal/State Filing where applicable.

Do you work with mortgage subservicers? Yes. Subservicers filing 1098, 1099-A, and 1099-C across many portfolios run the same pipeline, with payer configuration retained per batch in the audit trail.

What does the FIRE-to-IRIS transition mean for our credit union? The IRS's target date to retire FIRE is December 31, 2026, and IRIS will be the only intake system for information returns in Filing Season 2027. Morado already files exclusively through IRIS A2A for the 1099 and 1098 series. Read the full transition guide →