Electronic Lien and Titles - Florida Highway Safety and Motor Vehicles
What is the ELT 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.
What is an Electronic Title?
An electronic title is a title that exists only in electronic form on our database. An e-title is just as legal as a paper title pursuant to section 319.24, Florida Statutes.
With e-titles, lien notifications and releases are transmitted electronically between the Department of Highway Safety and Motor Vehicles (DHSMV) and the lienholder. No paper title certificate exists, thus it is referred to as an “electronic title.”
How does the Electronic Lien and Title System Work?
The same title documents required to apply for a paper title are also required for an electronic title. Title documents will be entered into DHSMV’s computer system and are handled and examined the same as if paper titles were to be issued. The change will occur when the title is ready to be issued. Instead of issuing a paper title certificate, an electronic notification will be sent to the lienholder.
When an electronic lien is satisfied, a lien satisfaction will be sent electronically to DHSMV. The title will then remain electronic until a request for paper title is received. Owners with e-titles can request a paper title through the DHSMV’s Virtual Office website. There is a service fee of $2.50 to convert an e-title to paper. Owners can also obtain a paper title immediately at a tax collector office that offers same day title printing for $10.00.
A lienholder may choose to utilize a third party service provider for software and record management needs. When perfecting liens, a lienholder using a third party service provider will send loan information to the service provider. Then, DHSMV will send electronic title and lien notifications to the third party service provider, where the transactions will be matched and records maintained. When the lien(s) are being satisfied, the third party service provider will forward lien satisfactions from the lienholder to DHSMV and will receive an electronic confirmation from DHSMV. A third party service provider also provides reporting services for a lienholder.
What are the benefits of the Electronic Lien and Title System?
- Reduces title fraud.
- Reduction of title paper usage.
- Faster notification of lien satisfactions.
- Reduction in storage of title documents.
- Access to expedited title printing.
- Better customer service.
- Reduced costs.
How can a Lienholder become an ELT Participant?
Contact: Travis Pelham, 2900 Apalachee Parkway, MS # 68, Tallahassee, FL. 32399
Click on the link for a list of current ELT participants
NOTE: If you are not inquiring about becoming an ELT Participant but have general title and registration questions, please call our Customer Service Center at (850)617-2000 or contact your local tax collector office.
The Division of Motorist Services has implemented an electronic lien and titling system (e-title) designed to assist lienholders as well as vehicle owners.
Electronically maintaining the title to your vehicle eliminates the risk of losing it and having to pay title fees to obtain a duplicate. It is also an effective fraud deterrent because potential thieves will not have access to your title.
If the lien on your vehicle has been satisfied and the title is electronically maintained, DHSMV is encouraging owners to maintain their titles electronically. Customers may still request that a paper title be printed at any time. Titles are mailed to the address reflected on the owner’s motor vehicle record and are generally mailed within two (2) days of receipt of the request. To request a paper title, you may use the Division of Motorist Services website provided below to submit your request. If you wish to obtain a paper title immediately, many tax collector offices offer same day title printing for $10.00.
You do not need to request a paper title prior to trading your vehicle with a Florida dealership.
If you are a dealer or lienholder, click here for E-Title frequently asked questions and common scenarios.
If you are selling your vehicle, rather than trading it with a Florida dealership, you will need to request a paper title be printed in order to transfer ownership to the purchaser.
To submit your request via DHSMV’s secure website, click on the link below.
Have DHSMV print my title.