diff --git a/app/controllers/idv/otp_verification_controller.rb b/app/controllers/idv/otp_verification_controller.rb
index b792ad544eb..9e7a0d12adb 100644
--- a/app/controllers/idv/otp_verification_controller.rb
+++ b/app/controllers/idv/otp_verification_controller.rb
@@ -61,6 +61,7 @@ def phone_confirmation_otp_verification_form
       @phone_confirmation_otp_verification_form ||= PhoneConfirmationOtpVerificationForm.new(
         user: current_user,
         user_phone_confirmation_session: idv_session.user_phone_confirmation_session,
+        irs_attempts_api_tracker: irs_attempts_api_tracker,
       )
     end
   end
diff --git a/app/forms/idv/phone_confirmation_otp_verification_form.rb b/app/forms/idv/phone_confirmation_otp_verification_form.rb
index 19016f09e6f..6caa41867e7 100644
--- a/app/forms/idv/phone_confirmation_otp_verification_form.rb
+++ b/app/forms/idv/phone_confirmation_otp_verification_form.rb
@@ -1,10 +1,11 @@
 module Idv
   class PhoneConfirmationOtpVerificationForm
-    attr_reader :user, :user_phone_confirmation_session, :code
+    attr_reader :user, :user_phone_confirmation_session, :irs_attempts_api_tracker, :code
 
-    def initialize(user:, user_phone_confirmation_session:)
+    def initialize(user:, user_phone_confirmation_session:, irs_attempts_api_tracker:)
       @user = user
       @user_phone_confirmation_session = user_phone_confirmation_session
+      @irs_attempts_api_tracker = irs_attempts_api_tracker
     end
 
     def submit(code:)
@@ -32,11 +33,18 @@ def clear_second_factor_attempts
     def increment_second_factor_attempts
       user.second_factor_attempts_count += 1
       attributes = {}
-      attributes[:second_factor_locked_at] = Time.zone.now if user.max_login_attempts?
+      if user.max_login_attempts?
+        attributes[:second_factor_locked_at] = Time.zone.now
+        irs_attempts_api_tracker.idv_phone_otp_submitted_rate_limited(phone: user_phone)
+      end
 
       UpdateUser.new(user: user, attributes: attributes).call
     end
 
+    def user_phone
+      user_phone_confirmation_session.phone
+    end
+
     def extra_analytics_attributes
       {
         code_expired: user_phone_confirmation_session.expired?,
diff --git a/app/services/irs_attempts_api/tracker_events.rb b/app/services/irs_attempts_api/tracker_events.rb
index e94c2ca5d32..b54caf3b3d8 100644
--- a/app/services/irs_attempts_api/tracker_events.rb
+++ b/app/services/irs_attempts_api/tracker_events.rb
@@ -82,6 +82,15 @@ def forgot_password_email_confirmed(success:, failure_reason: nil)
       )
     end
 
+    # The user reached the rate limit for Idv phone OTP submitted
+    # @param [String] phone
+    def idv_phone_otp_submitted_rate_limited(phone:)
+      track_event(
+        :idv_phone_otp_submitted_rate_limited,
+        phone: phone,
+      )
+    end
+
     # @param [Boolean] success
     # @param [String] phone_number
     # The phone upload link was sent during the IDV process
diff --git a/spec/forms/idv/phone_confirmation_otp_verification_form_spec.rb b/spec/forms/idv/phone_confirmation_otp_verification_form_spec.rb
index f20a3c5faeb..240741933b0 100644
--- a/spec/forms/idv/phone_confirmation_otp_verification_form_spec.rb
+++ b/spec/forms/idv/phone_confirmation_otp_verification_form_spec.rb
@@ -13,11 +13,19 @@
       delivery_method: :sms,
     )
   end
+  let(:irs_attempts_api_tracker) do
+    instance_double(
+      IrsAttemptsApi::Tracker,
+      idv_phone_otp_submitted_rate_limited: true,
+    )
+  end
 
   describe '#submit' do
     def try_submit(code)
       described_class.new(
-        user: user, user_phone_confirmation_session: user_phone_confirmation_session,
+        user: user,
+        user_phone_confirmation_session: user_phone_confirmation_session,
+        irs_attempts_api_tracker: irs_attempts_api_tracker,
       ).submit(code: code)
     end
 
@@ -64,6 +72,10 @@ def try_submit(code)
     context 'when the code is expired' do
       let(:phone_confirmation_otp_sent_at) { 11.minutes.ago }
 
+      before do
+        allow(IrsAttemptsApi::Tracker).to receive(:new).and_return(irs_attempts_api_tracker)
+      end
+
       it 'returns an unsuccessful result' do
         result = try_submit(phone_confirmation_otp_code)
 
@@ -84,6 +96,7 @@ def try_submit(code)
 
         expect(user.second_factor_attempts_count).to eq(3)
         expect(user.second_factor_locked_at).to be_within(1.second).of(Time.zone.now)
+        expect(irs_attempts_api_tracker).to have_received(:idv_phone_otp_submitted_rate_limited)
       end
     end