Electronic Lien and Title (ELT) provides the capability to electronically exchange lien and title information between the lienholder and state motor vehicle divisions. 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.