Monday, February 1, 2010

What to Ask Your DMV to Include in the ELT Program

DDI's Premier eTitleLien™ now works with the Electronic Liens and Titles (ELT) programs in eight states: Florida, Georgia, Louisiana, Ohio, Pennsylvania, South Carolina, Texas, and Virginia. (We're putting the finishing touches on our participation in Arizona, California, and Washington.)

We are dependent on the "features" provided by each state DMV in order to include that feature in Premier eTitleLien™ and make it available to our customers. For example, only about half the states with an ELT program support converting existing paper titles to electronic titles. If they don't offer a feature, we can't offer it either.

And if they don't offer an *important* feature, everybody loses out. Lenders can't (or won't) participate because the program either doesn't work or makes titling harder. Lack of participation means the state sees no cost savings. And vehicle owners miss out on benefits to them.

When we hear that a state is actively investigating ELT (like Nebraska), we want to give them as much information as we can, in the hope that they include all the features lenders, especially in-state lenders, need. We've put together a website ( - a work in progress) that gives some information about ELT, including white papers on We also have some technical details about messages and communications, plus relevant legislation affecting ELT programs in each state.

Lenders: Want an easier time managing titles with liens? Want to know what you're missing? Check out our suggestions for what should be included in an electronic liens and titles program. If you're our customer, let us (or our user group) know what you'd like to see implemented. If not and you're in an ELT state, contact your DMV or local lender association (like a banker's association) with your suggestion. Feel free to send them our ideas.

Image: Help is on the way, elevator, Chicago Tribune, Chicago, IL by gruntzooki