Electronic lien and title

Electronic lien and title, also known as ELT, is a program offered by various US States allowing state Department of Motor Vehicles to electronically exchange lien and title information with lienholders in lieu of a paper title.

States offering an ELT program include Arizona, California, Colorado, Florida, Georgia, Hawaii, Idaho, Kansas, Louisiana, Massachusetts, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, Utah, Virginia, Washington, and Wisconsin.

Several states have or will require lenders to participate.

first have the lien released by paying the lienholder the remaining amount owed on the lien. The lienholder then has two business days to mail the release letter to the owner. The owner can then request a paper title at their local DMV. Once a paper title has been issued, ownership can be transferred to the buyer.[10]

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