Texas Electronic Liens & Titles (ELT)

ELT in Texas

The Texas Department of Motor Vehicles (TxDMV) - formerly the Texas Department of Transportation - has implemented the State's Electronic Lien & Title Program (ELT).

In October 2009, Decision Dynamics, Inc. received approval to being processing Texas electronic titles. DDI works with the TX ELT program by providing a web application called Premier eTitleLien™. Premier eTitleLien™ allows lenders to maintain control of their vehicle collateral while enjoying the benefits of electronic processing and communication. Decision Dynamics, Inc. continues to work with the Texas DMV and their customers to improve title and lien management in Texas.


7/25/2013 Web News: Texas ELT Deadlines for 2013
7/9/2013 Web news: Texas ELT Stakeholders Meeting
3/29/2012 Web news: Texas ELT: Common Questions

More about ELT in Texas

What is the Electronic Lien and Title Program?

The Electronic Lien and Title Program is a method by which the Texas DMV and lending institutions (lienholders) can exchange vehicle and title information electronically. The TxDMV transmits essential identifying information electronically to the lienholder which eliminates the need to print and mail paper titles. Once the loan has been satisfied, the lienholder sends an electronic message releasing the title at which point the DMV prints and mails a paper title to the vehicle owner.

This process eliminates most of the paper handling involved in the vehicle titling process. Both the lending organizations and the DMV benefit from lower costs associated with processing, mailing, filing and retrieving paper titles.

How does this work?

Very simple:

  1. The lender provides the TxDMV a title application (Application for Texas Certificate of Title 130-U) and accompanying documentation. Application forms are processed at county tax offices. Out of state lenders should work with the county office where the vehicle is registered.
  2. Texas DMV records the lien and sends DDI 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 TxDMV, 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, Texas titles remain electronic: no title is mailed to the owner until the owner requests it from the DMV. Premier eTitleLien™ allows lenders to release their lien and request a clear title (no lien) to be mailed to the vehicle owner in one step. (The lender can specify an alternate recipient as needed, such as when an insurance company or dealer satifies the loan.)

The Texas ELT program also has provisions for requesting paper titles (with lien). Premier eTitleLien™ supports all the Texas ELT program features, making them simple and as foolproof as possible, and supplements them with additional tools including preparing the 130-U and performing research on TX titles by VIN.

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 no longer have to:

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

Other Benefits:

  • Reduction in 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.
  • Overall reduced costs.

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

For more information on Premier eTitleLien™ or participating in the Texas ELT program, please visit http://www.etitlelien.com.

Premier eTitleLien® Decision Dynamics, Inc.