Electronic Lien and Title FAQs

*DISCLAIMER

This information represents Auto Data Direct's understanding of state Electronic Lien and Title (ELT) systems, but is not intended to be legal advice nor a substitute for advice of your counsel. Policy changes occur frequently. While ADD endeavors to update the FAQs regularly, they may be out of date. Users should consult the appropriate state department or division, and their attorney.

Questions

ELT FAQs

What does "ELT" mean?

What is an Electronic Lien Title?

What is an ELT Lienholder?

What is the difference between an e-title and an Electronic Lien Title?

Florida ELT FAQs

How can I verify whether a title is an e-title or an Electronic Lien Title?

There is no lien currently on a vehicle, and the title is an e-title in the customer's name. How do I add a lien if there is no paper title?

I'm a dealer. If there is an electronic lien on a vehicle title, do I need to wait for a paper title to be printed before ownership can be transferred to a new retail purchaser or to another dealer?

What do I do if there is a lien with another financial institution, the title is paper and I am paying off the lien for my customer?

What do I do if there is a lien with another financial institution, the title is being held electronically, and I am paying off the lien for my customer?

Is there a way to get a repossession title without first obtaining a paper title?

North Carolina ELT FAQs

Who is required to participate?

When will the program be opened to lenders?

What are the fees for ELT service in NC?

Will a secondary lienholder who is ELT receive an ELT notification if the primary lienholder is not an ELT participant?

Is there a transaction to convert existing paper titles to ELT?

Will lenders be required to have an EIN number?

What is the repossession process in relation to ELT?

If a secondary lender releases their lien and sends a "mail to" address in their release, will there be a paper title printed and mailed to that designated address?

How are subsequent lien holders notified of the addition of their lien?

What is the procedure to switch ELT providers?

What are Multi-Role Lenders on a Lien, and are they supported by North Carolina?

Georgia ELT FAQs

How do I record an electronic lien in Georgia ?

Will I receive a paper title?

How do I get a paper title for my Georgia ELT?

What if I need to repossess a vehicle that I hold a Georgia lien on? What if there is more than one lien on it?

Answers

ELT FAQs

What does "ELT" mean?

In states that have mandated electronic lien titles, ELT refers to an electronic title that has an electronic lien recorded on it.

What is an Electronic Lien Title?

An Electronic Lien Title is an e-title with an electronic lien recorded.

What is an ELT Lienholder?

An ELT Lienholder is a lienholder who has the titles to their vehicles held electronically by the Department.

What is the difference between an e-title and an Electronic Lien Title?

A title is only an Electronic Lien Title while there is an active electronic lien on an e-title. For either an e-title and Electronic Lien Title, a paper title has NOT been printed.

Florida ELT FAQs

How can I verify whether a title is an e-title or an Electronic Lien Title?

ADD's DMV123 Florida records include both title status (paper or e-title) and lien information (lien status and lienholder name).

There is no lien currently on a vehicle, and the title is an e-title in the customer's name. How do I add a lien if there is no paper title?

First, verify that the title status is an e-title. Once you see that the title is an e-title, have your customer sign the HSMV 82139 Notice of Lien. Submit the HSMV 82139, a printout of the title status and appropriate fee to the Tax Collector's office. The lien will be added and show you as the lienholder. The new title will be held electronically and will be considered an Electronic Lien Title.

I'm a dealer. If there is an electronic lien on a vehicle title, do I need to wait for a paper title to be printed before ownership can be transferred to a new retail purchaser or to another dealer?

If the lien is electronic, a paper title will not be printed when the lien is satisfied. Once verification is received that the lien is satisfied, the dealer can transfer ownership to another dealer or retail purchaser. Ownership can be transferred to the dealer, by having the customer trading the vehicle complete an HSMV 82994. Reassignments may continue through Florida dealers by using HSMV 82994.

What do I do if there is a lien with another financial institution, the title is paper and I am paying off the lien for my customer?

First, pay the other financial institution and request the title to be mailed to you. Submit the HSMV 82139, the title and appropriate fee to the Tax Collector's office. The lien will be added and show you as the lienholder, and the new title will be held electronically.

What do I do if there is a lien with another financial institution, the title is being held electronically, and I am paying off the lien for my customer?

First, Verify that the title status is an Electronic Lien Title and print the vehicle record. Have your customer sign the HSMV 82139 Notice of Lien, pay the other financial institution and request the lien satisfaction notice be sent to you. Within 24 to 48 hours after DMV receives the lien satisfaction notification the title status will convert to an e-title. Once the title is an e-title, submit the HSMV 82139, the printout of the title status and a appropriate fee to the Tax Collector's office. The lien will be added and show you as the lienholder, and the new title will be held electronically.

Is there a way to get a repossession title without first obtaining a paper title?

Per DMV Procedure TL-23 the lender would complete Form HSMV 82040 and mark the application to keep it electronic.

North Carolina ELT FAQs

When will the program be opened to lenders?

On January 1, 2016, an Electronic Lien and Title (ELT) process will become mandatory for any North Carolina business that finances vehicles, vessels or mobile homes. The North Carolina ELT System is currently scheduled to accept liens beginning November 17, 2014.

Auto Data Direct, Inc. is proud to be the CIADA exclusive partner for ELT services.

What are the fees for ELT service in NC?

The NC ELT service fee is a total of $6.50 per lien added into the system, which includes the state fee.

There will be a $3.50 charge for each notification. Meaning, if there is a subsequent lien message on an existing lien, NC DMV will charge for that.

Currently there is no additional fee for a print title order.

Cost for emergency print 'Instant Title' does not fall under the NC Instant Title or duplicate processes, and will only incur a $35.00 fee when the customer goes to pick up their title at the Charlotte, Raleigh or Huntersville DMV offices. This fee is collected at the DMV office, not through the ELT portal.

Will a secondary lienholder who is ELT receive an ELT notification if the primary lienholder is not an ELT participant?

No. The primary lienholder will determine if the title is paper or ELT. Secondary lenders will receive an MVR-11, notice of interest, from the NC DMV.

If after the primary lienholder releases their lien and mails the paper title to the second lender and they are ELT, they may take it or send it into an NC DMV office and have it retitled as an ELT title.

Is there a transaction to convert existing paper titles to ELT?

No, currently there is not a transaction to convert paper to ELT. This has been discussed for future enhancements. [If the new primary lienholder, who is an electronic participant, wishes to change the paper title to electronic, they may take the paper title to NC DMV office and have it retitled as an ELT title.]

Will lenders be required to have an EIN number?

Lenders do not have to have a Federal Employers ID number. Customer numbers assigned by NC DMV will be the unique identifier for the State of North Carolina ELT program.

What is the repossession process in relation to ELT?

Repossessions will follow current procedures already in place for the state. ELT participating primary lienholders will be able to request a paper title with liens for business reasons such as repossessions.

If a secondary lender releases their lien and sends a "mail to" address in their release, will there be a paper title printed and mailed to that designated address?

No, if a secondary lender sends a "mail to" with their release request, there will not be a paper title printed. This field would be null and void. Primary lenders determine if a title is paper or ELT.

How are subsequent lien holders notified of the addition of their lien?

Subsequent lienholders on a motor vehicle will receive notification of the addition of their lien. If the primary lienholder is an ELT participant all ELT participating lienholders will receive electronic notification of the new status, all non-ELT participating lienholders will receive an MVR-11 printed from NC DMV database.

What is the procedure to switch ELT providers?

If a lienholder is switching service providers they must provide the following letters to eDS by way of ADD:

  1. Original letter on company letterhead, signed by a designated Admin of the institution, which states the change.
  2. Original letter on company letterhead, signed by an Admin from the lienholders current Service Provider, granting permission for the change.
  3. Original letter on company letterhead, signed by an Admin from the Service Provider the lienholder will be switching to, acknowledging that the lienholder will be a new client.

Please contact ADD for a letter template.

Lienholders will not be added as ELT participants in real time. A nightly batch file will be sent from eDS to the NC DMV of all new participating ELT lienholders. Becoming an active ELT lienholder with the state of North Carolina may take 24-48 hours.

What are Multi-Role Lenders on a lien, and are they supported by North Carolina?

A Multi-Role Lender Title is a title with only one lien but multiple lenders on it.

It's a one-to-many relationship. One lien has a primary lender and quite possibly a 2nd and 3rd lender on it. The 2nd and 3rd are there for informational purposes only because they are printed on a title today.

Georgia ELT FAQs

How do I record an electronic lien in Georgia ?

Georgia and FL ELTs are similar. Both are recorded using a paper form. In Georgia , lienholders use the MV-1 form. Under the "Security Interests and Liens" section at the bottom of that form, the lienholder enters the Security Interest Holder’s/Lien Holder’s ELT 12 Digit Customer ID and the name and address of the lien holder. Up to three Security Interest/Lien Holders may be listed on the form.

Will I receive a paper title?

The end result of an electronic lien in Georgia is always a paper title. The paper title is issued either when the lien has been satisfied, or it may be issued before the lien has been satisfied.

How do I get a paper title for my Georgia ELT?

The lienholder logs in to their ADD account, navigates to the ELT tab, locates the lien, and chooses either "Convert to Paper" or "Satisfy and Convert" as the desired action. The "Convert to Paper" choice leaves the lien in place.

What if I need to repossess a vehicle that I hold a Georgia lien on? What if there is more than one lien on it?

An Affidavit of Repossession (Form T-16) must be submitted with Title Application and Title Document to:
DOR/Motor Vehicle Division
PO Box 740381
Atlanta, GA 30374-0381
or to the applicable County Tag Office.

If there is more than one lien on a vehicle, the vehicle can be repossessed by the first lienholder. The first lienholder needs to notify the second lienholder and work out the logistics of having the second lien satisfied before the repossessed vehicle is sold. Georgia does not recommend the placement of multiple liens on one vehicle.

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More Information

ADD offers Florida Electronic Title and Lien (ELT) Services for Buy-Here, Pay-Here dealers, finance companies, or any entity that finances vehicles or vessels.

ADD offers Georgia Electronic Title and Lien (ELT) Services for Buy-Here, Pay-Here dealers, finance companies, or any entity that finances vehicles or vessels.

ADD offers North Carolina Electronic Title and Lien (ELT) Services for Buy-Here, Pay-Here dealers, finance companies, or any entity that finances vehicles or vessels.

Common questions about the Florida Electronic Title and Lien (ELT) system.