diff --git a/API/ROLAC.API.Tests/ROLAC.API.Tests.csproj b/API/ROLAC.API.Tests/ROLAC.API.Tests.csproj
index ffa3eaa..59db6a3 100644
--- a/API/ROLAC.API.Tests/ROLAC.API.Tests.csproj
+++ b/API/ROLAC.API.Tests/ROLAC.API.Tests.csproj
@@ -22,6 +22,7 @@
     <PackageReference Include="Moq" Version="4.20.72" />
     <PackageReference Include="Microsoft.EntityFrameworkCore.InMemory" Version="8.0.11" />
     <PackageReference Include="Microsoft.Extensions.Configuration" Version="8.0.0" />
+    <PackageReference Include="Microsoft.AspNetCore.DataProtection" Version="8.0.11" />
   </ItemGroup>
 
   <ItemGroup>
diff --git a/API/ROLAC.API.Tests/Services/TinProtectorTests.cs b/API/ROLAC.API.Tests/Services/TinProtectorTests.cs
new file mode 100644
index 0000000..44ba817
--- /dev/null
+++ b/API/ROLAC.API.Tests/Services/TinProtectorTests.cs
@@ -0,0 +1,30 @@
+using Microsoft.AspNetCore.DataProtection;
+using ROLAC.API.Services.Security;
+using Xunit;
+
+namespace ROLAC.API.Tests.Services;
+
+public class TinProtectorTests
+{
+    private static TinProtector Build() =>
+        new TinProtector(DataProtectionProvider.Create("ROLAC.Tests"));
+
+    [Fact]
+    public void Protect_then_Unprotect_round_trips()
+    {
+        var p = Build();
+        var cipher = p.Protect("123-45-6789");
+        Assert.NotEqual("123-45-6789", cipher);
+        Assert.Equal("123-45-6789", p.Unprotect(cipher));
+    }
+
+    [Theory]
+    [InlineData("123-45-6789", "6789")]
+    [InlineData("12-3456789",  "6789")]
+    [InlineData("7", "7")]
+    public void Last4_keeps_only_trailing_digits(string raw, string expected)
+        => Assert.Equal(expected, TinProtector.Last4(raw));
+
+    [Fact]
+    public void Last4_of_null_is_null() => Assert.Null(TinProtector.Last4(null));
+}
diff --git a/API/ROLAC.API/Program.cs b/API/ROLAC.API/Program.cs
index 8f701c3..4e2bbf5 100644
--- a/API/ROLAC.API/Program.cs
+++ b/API/ROLAC.API/Program.cs
@@ -15,6 +15,7 @@ using ROLAC.API.Json;
 using ROLAC.API.Middleware;
 using ROLAC.API.Services;
 using ROLAC.API.Services.Logging;
+using ROLAC.API.Services.Security;
 
 var builder = WebApplication.CreateBuilder(args);
 var config  = builder.Configuration;
@@ -157,6 +158,8 @@ builder.Services.AddScoped<IExpenseSnapshotService, ExpenseSnapshotService>();
 builder.Services.AddScoped<IMonthlyStatementService, MonthlyStatementService>();
 builder.Services.AddScoped<IFinanceDashboardService, FinanceDashboardService>();
 builder.Services.AddScoped<IForm990ReportService, Form990ReportService>();
+builder.Services.AddDataProtection();
+builder.Services.AddScoped<ITinProtector, TinProtector>();
 builder.Services.AddScoped<IChurchProfileService, ChurchProfileService>();
 builder.Services.AddScoped<ISettingsService, SettingsService>();
 builder.Services.AddScoped<IDisbursementService, DisbursementService>();
diff --git a/API/ROLAC.API/Services/Security/ITinProtector.cs b/API/ROLAC.API/Services/Security/ITinProtector.cs
new file mode 100644
index 0000000..2996bd3
--- /dev/null
+++ b/API/ROLAC.API/Services/Security/ITinProtector.cs
@@ -0,0 +1,8 @@
+namespace ROLAC.API.Services.Security;
+
+/// <summary>Reversible protection for taxpayer identification numbers (SSN/EIN).</summary>
+public interface ITinProtector
+{
+    string Protect(string plaintext);
+    string Unprotect(string ciphertext);
+}
diff --git a/API/ROLAC.API/Services/Security/TinProtector.cs b/API/ROLAC.API/Services/Security/TinProtector.cs
new file mode 100644
index 0000000..f29a399
--- /dev/null
+++ b/API/ROLAC.API/Services/Security/TinProtector.cs
@@ -0,0 +1,22 @@
+using Microsoft.AspNetCore.DataProtection;
+
+namespace ROLAC.API.Services.Security;
+
+public class TinProtector : ITinProtector
+{
+    private readonly IDataProtector _protector;
+
+    public TinProtector(IDataProtectionProvider provider)
+        => _protector = provider.CreateProtector("Payee1099.Tin");
+
+    public string Protect(string plaintext)    => _protector.Protect(plaintext);
+    public string Unprotect(string ciphertext) => _protector.Unprotect(ciphertext);
+
+    /// <summary>Last four digits of a TIN (ignoring dashes/spaces); null/empty in => null.</summary>
+    public static string? Last4(string? raw)
+    {
+        if (string.IsNullOrWhiteSpace(raw)) return null;
+        var digits = new string(raw.Where(char.IsDigit).ToArray());
+        return digits.Length <= 4 ? digits : digits[^4..];
+    }
+}