Frequently Asked Questions about ELT in Florida:
Is the Florida ELT program mandatory?
No. Florida has indicated they intend to make the program mandatory at some point in the future, but they are currently
implementing systematic changes to make working with electronic titles (with and without liens) the preferred option for
vehicle owners and lenders. Update: legislation making the ELT program mandatory has passed both the House
and Senate and is expected to be signed by the Florida Govenor.
How do I sign up for the ELT program?
You need to complete both a Memorandum of Understanding (MOU) (an agreement between you as a lender and Florida) and a
simple application to the ELT program. DDI acts as a "service bureau" for Florida. Use the
link in the menu bar (above, left) to get a copy of our application and the Florida forms.
I paid off my loan and my lender has released the lien on my car. Where is my title?
Florida generally keeps all titles electronically, including titles without liens. The Florida DHSMV
notes: "If the lien on your vehicle has been satisfied and the title is electronically maintained, the
Department is encouraging owners to maintain their titles electronically." Lenders can request
that a title be mailed to the owner (assuming all liens are satisfied). There is an additional fee for this.
Owners can request a printed paper title from a tax
collector's office or from the DHSMV web site.
Can I verify that my lien has been removed (released)?
Florida offers a free public title inquiry service
called either "Vehicle Information Check" or "Motor Vehicle Check". This search, which requires either a title number or
VIN, reports any liens that may exist. For lenders, Premier eTitleLien™ integrates with the title check, combining
it with other tools for validating loans, researching issues, and performing audits.
How do I release an ELT lien?
All electronic liens must be released (satisfied) electronically. Florida
provides this instruction to
A title has an electronic lien, but the owner brings in a lien satisfaction from
the lienholder. Can a paper title be printed for the $10 fast title fee at a Tax Collector's Office?
How long will it take the DMV to print a title when a "release" is issued?
No. The ELT lienholder must satisfy the lien electronically.
Florida normally does not print titles, preferring to leave them as electronic
titles. Premier eTitleLien™ offers
lenders the ability to request that a printed title be sent to the owner, they may leave it up to
the owner to request a printed copy when needed. Once requested, titles
"are generally mailed within
two (2) days of receipt of the request."