Louisiana Electronic Liens & Titles (ELT)

ELT in Louisiana

The Louisiana Office of Motor Vehicles (OMV) implemented the State's Electronic Lien & Title Services (ELT) in 2001. On July 2, 2008 legislation was passed requiring participation in the ELT program for all lenders by January 1, 2010. The OMV is therefore mandating participation in the program.

The ELT program 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™.

In Louisiana, to participate in the ELT program you must work with a registered tag agent. DDI is pleased to be working with Auto Title Express who acts as our "gateway" to the OMV.


More about ELT in Louisiana

What is the Electronic Lien and Title Program?

The Electronic Lien and Title Program is a method by which the Louisiana OMV and lending institutions (lienholders) can exchange vehicle and title information electronically. The LA OMV 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 OMV benefit from lower costs associated with processing, mailing, filing and retrieving paper titles.

How does this work?

Very simple:

  1. The lender provides LA OMV a title application (LA Form DPSMV 1799 "Vehicle Application" sometimes called the VEH Application) with accompanying documentation. This can be handed in at an OMV office or through an authorized public tag agent. (Or an application for lien is handled by a dealer.)
  2. The OMV 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 LA OMV, 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. The Louisiana OMV then mails a clear title (no lien) to the vehicle owner.

The Louisiana ELT program also has provisions for requesting paper titles (with lien) and perfoming research on titles (a title inquiry). Premier eTitleLien™ supports these features, making them as simple and foolproof as possible, and supplements them with additional tools including preparing the VEH Application.

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 a customer.
  • 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 Louisiana ELT program, please visit http://www.etitlelien.com.

Premier eTitleLien® Decision Dynamics, Inc.