Florida Electronic Liens & Titles (ELT)

ELT in Florida

The Florida Department of Highway Safety and Motor Vehicles (HSMV) implemented the Electronic Liens and Titles (ELT) program in 2001 with the goal of reducing costs due to printing and improving information accuracy. This service revolutionizes the lien and title process, as bankers, credit unions, dealers, and other financial institutions no longer need to store and file paper titles. Lenders can electronically secure and release liens on titles using a web application developed by Decision Dynamics, Inc. called Premier eTitleLien™.

Premier eTitleLien™ was developed and continues to be improved as a partnership with lenders and lender organizations. As a lender-designed program it allows lenders to maintain control of their vehicle collateral while incorporating the benefits of electronic processing and communication.  Decision Dynamics, Inc. began processing Florida titles in March 2009 and continues to work with the FL HSMV and our customers to improve title and lien management in Florida and elsewhere.


9/26/2013: Web News: Florida Title History

4/17/2013: Web News: New Florida ELT Law Can Save You Money

1/8/2013: Press Release: Decision Dynamics, Inc. Supports California, Florida, and Georgia Lenders during Mandatory Electronic Lien and Title (ELT) Deadlines

12/13/2012: Web News: California, Florida, and Georgia mandatory ELT deadline Jan. 1

11/5/2012: Web News: Florida approves mandatory use of Electronic Lien and Title (ELT)

5/22/2012: Web News: Florida ELT Mandatory in January 2013

4/4/2012: Web News: Florida ELT Program Questions

3/27/2012: Web News: Prepare now for Mandatory ELT in Florida!

1/19/2012: Web News: Mandatory ELT Legislation Proposed in Florida

5/30/2011: Updates to this site, including new FAQ entries.

7/3/2010: Changes to the Repossession Process in Florida

1/6/2010: In preparing ELT Program "Best Practices" for US States considering ELT, DDI highlighted a number of positive aspects of the Florida ELT program including that they allow title applications without printed titles and that they provide a free VIN / title inquiry service. For more information about the program, see the ELT in Florida page.

More about ELT in Florida

What is the Electronic Liens and Titles Program?

The Electronic Liens and Titles (ELT) Program is a method by which the Department of Highway Safety and Motor Vehicles (HSMV) and a lending institution (lienholder) can exchange vehicle and title information. Instead of printing a paper title and mailing it to the lienholder, the FL HSMV can transmit essential identifying information electronically. Once the lien has been satisfied, the lienholder sends an electronic message releasing the title. The HSMV then prints and mails the title to the vehicle owner.

This process eliminates much of the paper handling involved in the vehicle titling process. Both parties benefit from lower costs of processing, mailing, filing and retrieving paper.

How does this work?

Very simple:

  1. The lender provides the HSMV a title application (FL Form 82040 or 82139) with accompanying documentation. (Or an application for lien is handled by a dealer.)
  2. Florida records the lien and sends an electronic message with similar titling information as appears on a paper form. This information includes a description of the vehicle and the name and address of the vehicle owner.
  3. DDI receives the message from Florida, formats it, and makes it available to the lender in Premier eTitleLien™.
  4. The lender works with Premier eTitleLien™ to validate the lien information.
  5. Once the loan is satisfied, the lender uses Premier eTitleLien™ to release the lien.
  6. Normally, titles remain electronic in Florida. If needed, lenders have the option to request that Florida mail a clear title (no lien) to the vehicle owner. Vehicle owners can request paper copies of electronic titles (when there is no lien) as needed.

There are also provisions within the Florida ELT program for requesting paper titles (with lien). Premier eTitleLien™ supports this and all state ELT features, making them simple and as foolproof as possible, and supplements them with additional tools including preparing the Florida lien recording forms (82040 and 82139).

What are the benefits of the Electronic Lien and Title System?

The electronic lien and title system allows lienholders to reduce the handling, storage and mailing costs associated with paper titles by replacing them with electronic titles. Lienholders who join the program will enjoy not having to:

  • Retrieve a title from a conventional file when the lien has been satisfied.
  • Physically satisfy (sign off) a lien on a title.
  • Mail a title to a customer.
  • Apply for a duplicate title to replace a lost title.

Other Benefits:

  • Reduces title fraud.
  • Reduction of title paper usage.
  • Faster notification of lien satisfactions.
  • Reduction in storage of title documents.
  • Consolidated, itemized monthly billing for title services.
  • Better customer service.
  • Reduced costs.

Additionally, electronic lienholder customers who have satisfied their loan obligations will receive clear paper titles faster, after the lienholder has electronically notified FL that the lien has been released.

For more information on Premier eTitleLien(tm) or participating in the Florida ELT program, please visit http://www.etitlelien.com.

Premier eTitleLien® Decision Dynamics, Inc.