Wisconsin Electronic Liens & Titles (ELT)

ELT in Wisconsin

On July 30, 2012 the Wisconsin Department of Transportation Division of Motor Vehicles (DMV) implemented two changes to their titling process: they became, in their words, a "title to lienholder state" and an "electronic title state". Previously, Wisconsin sent titles with liens to the vehicle owner once the lien had been recorded. (States with such programs are sometimes referred to as title holding states.) Most other states have lienholders store the vehicle title until the loan is satisfied.

Wisconsin also began offering electronic titles to lienholders through their Electronic Lien and Title Program (ELT). The program is currently optional: "lien holders are encouraged to receive titles electronically via electronic service provider." The Wisconsin DMV has discussed requiring participation but are not currently planning to do so.

One other important note that is distinctive to Wisconsin of all state programs is that since July 1, 2010 the WI DMV requires lenders to electronically process lien add transactions. There are exemptions for individuals and lenders who normally file very few liens. Lenders who are not exempt and do not file electronically are assessed an additional $25 transaction fee. For details about exemptions and fees please see the WI DMV Financial Institutions page.

Decision Dynamics, Inc. began working with the Wisconsin electronic lien program in 2010 on behalf of our customers.

Decision Dynamics, Inc. (DDI) works with the all state ELT programs 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.


More about ELT in Wisconsin

What is the Electronic Lien and Title Program?

The Electronic Lien and Title Program is a method by which the Wisconsin DMV and lending institutions (lienholders) can exchange vehicle and title information electronically. The WI DMV 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 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. 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 MV1) for the WI DOT. The Wisconsin e-MV agent allows lenders to electronically record their liens. DDI works with the e-MV agent to make this process simple from within Premier eTitleLien™.
  2. When there is a change of ownership, file an MV1 by mail or in person at a DMV Customer Service Center.
  3. Wisconsin DMV records the lien and prints and mails a new title with lien to the vehicle owner. (This will be changing.)
  4. DDI formats the information from the electronic title 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 and send a release confirmation letter to the vehicle owner.
  7. The Wisconsin MVD will mail a clear title (no lien) to the vehicle owner on receipt (from the owner) of the current title.

Premier eTitleLien™ supports the features of the Wisconsin e-MV Agent program, making them as simple and foolproof as possible, and supplements them with additional tools including generating an MV1 when needed.

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:

  • Submit paperwork to apply for a lien.
  • Physically satisfy (sign off) a lien on a title.

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 our Wisconsin ELT program, please visit http://www.etitlelien.com.

Premier eTitleLien® Decision Dynamics, Inc.