How do I send a digital copy of client's return to their bank--using ProSeries Professional

A. Don't

B. Obtain consent to disclose from client. Print to pdf. Password protect. Send.

Send password protected to the client and tell them to do whatever they want to do with it. 

I agree - don't.

I disagree - do not send them an encrypted .pdf either.

For many years in the AICPA Liability Insurance seminars we have been told lenders have been suing tax preparers if the borrower defaults - and unbelievably they have been winning these cases.  For the same reason we don't prepare verification letters; the lender wants our signature so they can sue.  Yes, anybody can sue anybody for any good or bad reason. But I'd make it a firm policy that you will provide whatever documents that are needed to the client and then let the client submit to the lender.

I have lost individual clients because I will not do a verification letter for a refinance or similar.  I'm pissed at first but in the end I still know it's the proper thing to do.