Welcome to "All About Titles"!

This is an informational site intended to provide details on an ELT (Electronic Liens and Titles) or e-title program for US States. Please contact Timothy Snyder at Decision Dynamics, Inc. (the host for this site) with any questions or concerns: 803-808-0117 or tim.snyder@dditechnology.com.

News

• 11/14/2011 - Updated the technology section in anticipation of our meeting with South Dakota.
• 5/3/2011 - Updated the DDI Best Practices document and added a section on Implementation Process and the 2007 WI DMV study.
• 4/13/2011 - Updated the "States that Allow and Require ELT" map, added Iowa study notes.
• 8/13/2010 - Many changes, including updates to ELT Only states (Arizona and Wisconsin).
• 2/3/2010 - Added details on which states send titles with liens to the lienholder and which send them to the owner.
• 1/6/2010 - DDI will be visiting with the Nebraska DMV on January 13, 2010. At their request, we'll be discussing the new ELT program (see Nebraska's legislation requiring the development of a program by 1/1/2011) with representatives from Nebraska banks, auto dealers, and credit unions. As part of our preparation, we have prepared an updated "Best Practices" document.
• 1/1/2010 - Louisiana now requires all lenders to participate in ELT. The Office of Motor Vehicles (OMV) is providing a grace period through June 30, 2010 to allow lenders to sign up. For more information on DDI's involvement in LA, please see our press release.

What is included here

• About Electronic Liens and Titles
• Benefits to states and others
• Legal and Legislative Issues
  • US States that Allow and Require ELT
  • Legislation Passed affecting the ELT program
  • Owner Retained vs Lienholder Retained titles by state.
• ELT Technology
  • ELT Transactions: What messages are needed
    • Convert From Paper
  • Message Exchange: How messages are exchanged
  • Message Formats: How to construct messages
  • Data Elements: What to put in messages
• Recommended Implementation Process

About DDI and Premier eTitleLien™

Premier eTitleLien™ is a program developed by Decision Dynamics, Inc. (DDI) for lienholders desiring to manage their vehicle titles electronically. Premier eTitleLien™ provides an electronic collateral record in lieu of a paper title. Premier eTitleLien™ interfaces with a state's motor vehicle titling agency's computer system to process title liens and releases. With Premier eTitleLien™, the lienholder has instant access to all electronic title information and, if desired, can interface with their loan management systems for a completely streamlined process.

The ELT program, often based on national AAMVA standards, transforms the liens and titles process for a state, as banks, credit unions, dealers, and other financial institutions no longer need to store and file paper titles and now have a mechanism for reducing the fraud associated with paper titles.

Additional Premier eTitleLien™ Features

• Electronic generation of required state forms
• VIN Verification and Valuation
• Lien Alert Processing for deterring fraud
• Dashboard interface for streamlining title processing and handling of exceptions.

Decision Dynamics, Inc. (DDI) is a software and systems firm that was founded in 1998 with the goal of delivering superior products and services. DDI is owned and operated by a group of experienced software engineers and business analysts whose knowledge and experience span the spectrum of the information technology (IT) industry.

Committed to excellence, DDI continues to focus on superior products and professional services in the areas of financial, healthcare, and government services. These include Healthcare/Disease Management, Environmental Permitting and Licensing, and Electronic Liens and Titles. We desire to foster partnerships with progressive and innovative businesses including federal, state and local governments as we supply new technologies to enable our partners to provide superior service to their customers while saving time and money.

DDI is an associate member of AAMVA and a member and sponsor of the National Title Solutions Forum, part of the Automotive Financial Services Association. For more information about DDI and ELT please contact:
Ann Gunning, Chief Information Officer
803-808-0117
ann.gunning@dditechnology.com