My understanding is that most brokers do not lend your shares if they are held in a cash account. Most brokers consider IRAs to be a cash account and will not lend shares in the account. Check with your broker, but I think most operate that way.

If you have a margin account, most brokers will lend shares out from those I believe.

I have all of my shares spread across Traditional and Roth IRA accounts, and I don't think they can be lent out.

Go LL