Ohio Electronic Liens & Titles (ELT)

ELT in Ohio

The Ohio Department of Public Safety Bureau of Motor Vehicles (BMV) implemented the Electronic Lien and Title Program (ELT) in 2003. Participation is optional.

Decision Dynamics, Inc. began processing Ohio titles in 2009. Decision Dynamics, Inc. (DDI) works with the OH 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 Ohio BMV and their customers to improve title and lien management in Ohio.


More about ELT in Ohio

What is the Electronic Lien and Title Program?

The Electronic Lien and Title Program is a method by which the Ohio BMV and lending institutions (lienholders) can exchange vehicle and title information electronically. The OH BMV 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.

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

How does this work?

Very simple:

  1. If you are adding a lien to a vehicle and the owner remains the same, you do not need to complete any paperwork (such as the BMV 3774). The Ohio ELT program allows lenders to electronically record their liens. DDI makes this process simple from within Premier eTitleLien™.
  2. When there is a change of ownership, file a the BMV 3774 ("Application(s) for Certificate of Title to a Motor Vehicle") in person (or by mail) with an Ohio county Title Clerk (not directly with the OH BMV). (It's also possible for a dealer to handle the application for lien process.)
  3. The county office records the lien and the Ohio BMV 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.
  4. DDI receives the message from OH BMV, formats it, and makes it available to the lender in Premier eTitleLien™.
  5. The lender works with Premier eTitleLien™ to validate the lien information.
  6. Once the loan is satisfied, the lender uses Premier eTitleLien™ to release the lien.
  7. The Ohio BMV then mails a clear title (no lien) to the vehicle's registered owner.

The Ohio ELT program also has provisions for requesting paper titles (with lien) and transferring the title to a new lienholder. Ohio also makes available a public title history tool for Vin or Title Number research. Premier eTitleLien™ supports these features, making them as simple and foolproof as possible, and supplements them with additional tools including preparing the BMV 3774.

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.

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

Premier eTitleLien® Decision Dynamics, Inc.