Virginia Electronic Liens & Titles (ELT)

The History of ELT in Virginia

The Virginia Department of Motor Vehicles (DMV) was one of the first states to develop an ELT program, implementing it fully in 1995. What follows are excerpts from Massachusetts' 2006 ELT guide:

In an effort to support a standard exchange of data and to avoid the need for states to develop their own specific applications, AAMVA [American Association of Motor Vehicle Administrators] created a working group to identify and develop a standard messaging system for a state to communicate with a lienholder.

The states of Massachusetts and Virginia were identified as the pilot states utilizing the AAMVAnet application... The state of Virginia partnered with Crestar Bank and implemented in March 1995.

The pilot was deemed a success and plans were made to expand the program in both states.

In 2012 Virginia passed SB 686 allowing the DMV to require participation in the ELT program. The DMV has not set a date or guidelines for when they might begin making the program mandatory.

As of July 2013, in addition to Virginia, 17 other states have implemented electronic lien and title programs. They are Arizona, California, Florida, Georgia, Hawaii, Idaho, Louisiana, Massachusetts, Nebraska, New York, Ohio, Pennsylvania, South Carolina, South Dakota, Texas, Washington, and Wisconsin. Each state's program is unique depending on state laws and requirements, but all ELT programs significantly improved the lien and title process. Now 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™.

Premier eTitleLien™ was originally developed as a result of a partnership with the South Carolina Department of Motor Vehicles and the South Carolina Banker's Association to serve the various needs of lenders. This lender-designed program allows lenders to maintain control of their vehicle collateral while incorporating the benefits of electronic processing and communication.


Premier eTitleLien® Decision Dynamics, Inc.