Wednesday, July 29, 2015

Decision Dynamics, Inc. (DDI) Launches Electronic Lien and Title (ELT) Services in Colorado

Decision Dynamics, Inc. (DDI) now offers Electronic Lien and Title (ELT) services to Colorado lenders through Premier eTitleLien®, a cost-effective, user-friendly, solution for streamlining vehicle titling.

Lexington, SC, July 28, 2015 - Decision Dynamics, Inc. (DDI) proudly announces the company’s availability to serve as an authorized Electronic Lien and Title (ELT) Service Provider for the Colorado Department of Motor Vehicle’s newly launched program. Lender enrollment in Colorado’s ELT program through DDI’s Premier eTitleLien® began earlier this year in anticipation of the program and ELT participants have begun managing their Colorado liens and titles electronically. Ann Gunning, DDI’s Chief Information Officer, says “DDI is excited to offer ELT to lenders in Colorado. The addition of Colorado ELT services to Premier eTitleLien® enhances our titling solutions for both Colorado lenders and financial institutions and dealers across the nation. DDI is especially proud to be part of the stakeholder group that worked in cooperation with the Colorado DMV to ensure features were incorporated in the ELT program to streamline the titling process for dealers, lenders, and county agents.”

Premier eTitleLien® is a secure, web-based application which allows lienholders to participate in a state’s ELT program and remain in complete control of their title portfolio. Twenty-four (24) states currently offer ELT programs, with several implementing their programs in the next year. Lienholders are able to manage their vehicle titles electronically and receive an electronic record in lieu of a paper title. With Premier eTitleLien®, companies have access to their electronic titles and the tools needed to streamline the titling process.

The electronic titling program benefits motor vehicle agencies, lienholders, and vehicle owners. Motor vehicle agencies benefit by providing more timely data exchange, improving data accuracy, and reducing and controlling the use of secure forms. Electronic titling benefits lienholders by reducing mailing costs, reducing physical storage requirements, and deterring the inherent fraud associated with duplicate titles and paper title releases. Vehicle owners benefit by receiving clear titles upon the release of the lien of the electronic title.

Decision Dynamics continues to experience rapid growth due to its quality product offering with value-add features, and its commitment to customer service excellence. Glenn Thames, President and CEO, says, “Premier eTitleLien® has become the ELT product of choice for lenders nationwide. Our pay-per-transaction model without long-term contracts gives lenders the security of knowing that DDI is working for the best interest of the lender.” Premier eTitleLien® also offers training and support at no cost, with 24 hour system availability.

Decision Dynamics (DDI) is a software technology company that provides electronic titling services for lienholders in the United States. DDI now serves over 3,300 lenders throughout the US.

For more information on the ELT program, visit or contact Amanda Jensen, Business Development, Decision Dynamics, Inc.

Image above is of the Valley Curtain project in Rifle Gap, Colorado.

Thursday, May 7, 2015

Colorado ELT Approval

We are excited to announce that Decision Dynamics, Inc. is an approved ELT Service Provider for Colorado’s ELT program. The anticipated Go-Live date for Electronic Liens and Titles in Colorado is May 26th, 2015. DDI is looking forward to providing ELT services to Colorado lenders through our Premier eTitleLien® application.

Please visit Colorado ELT for more information about the Electronic Lien and Title program and our website at for more information about Premier eTitleLien® and how to sign up to participate in the CO ELT program..

Image above is of the Monolith Festival at Red Rocks in Colorado by Anna.

Tuesday, April 21, 2015

NC Mandatory Mandatory ELT: When, How, and How Much

North Carolina launched a voluntary ELT program on November 1, 2014 with the expectation of the program eventually requiring mandatory participation. According to House Bill 1133 and Senate Bill 407, all individuals and lienholders who finance motor vehicles will be required to participate in the NC ELT program beginning on January 1, 2016. The only exception to the mandatory requirement is for individuals and lienholders who process less than five lien transactions per calendar year.

Once the grace period ends, if a lender conducts five or more transactions annually and does not have an ELT service provider, the title transactions will be rejected by the DMV. If this occurs, the DMV eDS ELT helpdesk will inform the lienholder of the approved service provider list to eliminate any further delays. Please note: there are no financial penalties associated with a DMV title application rejection.

A printed title may be requested for an ELT in the event of a repossession or an owner moving out of the state. All printed paper titles will be sent from the Raleigh DMV office. The North Carolina title and lien recording applications will remain the same and there will be no changes to current state fees.

Enrolling early in the ELT program will help the state handle the large number of anticipated required participants. DDI works with lenders and DMVs in all 50 states and is a certified ELT service provider in the 22 ELT states.  This enables DDI to help make the transition from paper titles to ELT both simple and effective for North Carolina ELT participants.

DDI is proud to be the endorsed Electronic Lien and Title (ELT) vendor by Community Bank Services (CBS) for members of the North Carolina Bankers Association. For more information on Premier eTitleLien® please visit or click here to begin the process of enrolling in North Carolina!

Friday, April 17, 2015

Colorado ELT launching May 2015

The state of Colorado has provided updated information regarding their upcoming ELT program. According to the Colorado Department of Revenue Division of Motor Vehicles, the state will officially launch their ELT program on May 1, 2015.

There are a few steps to follow when transitioning into Colorado’s ELT program. First, the lienholder or lender will be required to enter into an agreement with one of CO’s approved Service Providers. The option to apply for an “E” number will then become available. Once a lien is notated, the certificate of title record will be stored electronically in the CO ELT system. A participating lienholder or lender will be notified electronically through their Service Provider. With the ELT program, an electronic notification to the lienholder serves the same purpose as receiving a paper title in the mail.

DDI is looking forward to providing ELT services in Colorado through our Premier eTitleLien® application. ELT programs greatly enhance daily vehicle processing for lienholders by saving time, cutting costs, reducing paper, enhancing security and deterring fraud.

Please visit for more information about Premier eTitleLien®.

Image above is 1958 Hedsel by Barry Snyder, a Colorado "fruit sticker artist". According to Cyrus McCrimmon (Denver Post) the art "is based on an advertisement for a 1958 Edsel. He picked the car 'because it was so strange-looking.'"

Wednesday, April 15, 2015

DDI partners with Virginia Bankers Association Management Services

Decision Dynamics Inc. is pleased to announce a new partnership with Virginia Bankers Association Management Services Inc. Read the full press release here.

DDI provides complete Electronic Lien and Title (ELT) solutions for Virginia banks through Premier eTitleLien®, a user-friendly, secure web-based software service which ensures VA banks are compliant with recently announced Virginia DMV (VA DMV) requirements. DDI appreciates the new partnership and expects an excellent collaboration with VA banks.

As of October 1, 2015, the Virginia DMV requires all financial institutions that process 50 or more titles in a year to enroll in the ELT program, in order for lenders to have the capability to exchange lien and title information with the DMV.

Image above is Virginia License Plate Map Art by Design Turnpike.

Friday, April 10, 2015

Virginia Requiring ELT Participation by October 2015

According the Virginia Electronic Lien Mandate published by the Virginia DMV, "all banking and financial institutions that record 50 or more auto liens per year will be required to electronically transmit lien information to the VA DMV through an approved service provider." As a result of the mandate, ELT participation will be required beginning October 1, 2015 for those institutions.

DDI's Premier eTitleLien® system is the perfect solution to allow lenders to receive and release vehicle titles electronically with an easy-to-use, secure, web-based application, including many features that are unique to DDI and part of our commitment to provide a Premier customer experience.

Through ELT, VA lienholders will have the benefit of saying time, cutting costs, reducing paper, enhancing security and deterring fraud. DDI's ELT service greatly enhances daily vehicle title processing. There are no costs to enroll in the Virginia ELT program.

DDI participates in the ELT programs offered nationwide, including: AZ, CA, FL, GA, HI, IA, ID, LA, MA, MD, NC, NE, NY, OH, PA, SC, SD, TX, VA, WA, and WI.

For more information on Premier eTitleLien® or participating in the Virginia ELT program, please visit or click here to enroll in VA ELT!

Image above is from Virginia Car Properties, a company specializing in "real estate or businesses with a strong automotive use component."