Authorized Service Providers

Electronic Lien and Titles

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The Electronic Lien and Title (ELT) 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.

All businesses that finance vehicles to be titled in Florida must be electronically connected to the department or risk rejection of their requests to record a lien on Florida vehicle, mobile home or vessel titles.

A lienholder may choose to utilize an approved third-party service provider for software and record management needs. Then, the department will send the electronic title and lien notifications to the third-party service provider, where the transactions will be matched, and records maintained. When perfecting liens, a lienholder uses a third-party service provider to release the lien. When the lien(s) are being satisfied, the third-party service provider will forward lien satisfactions from the lienholder to the department and will receive an electronic confirmation from the department. A third-party service provider also provides reporting services for a lienholder.

 

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 notification and releases are transmitted electronically between the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) and the lienholder. No paper title certificate exists, thus it is referred to as an “electronic title.”

 

How the Electronic Lien and Title System Works

The same title documents required to apply for a paper title are also required for an electronic title. Title documents will be entered into FLHSMV’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 FLHSMV. 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 FLHSMV’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, FLHSMV 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 FLHSMV and will receive an electronic confirmation from FLHSMV. A third-party service provider also provides reporting services for a lienholder.

 

How a Lienholder becomes an ELT Participant

Dealers and other organizations wishing to participate should contact one of the certified service providers listed in the below ELT Provider section. Lenders will need to contract with one of department’s approved service providers to become an ELT participant. See approved list below:

Certified Service Providers:

 

ELT Participant Information

ELT Participating Institutions

For ELT provider system inquiries contact Travis Pelham at TravisPelham@flhsmv.gov

Important Notice: Current and future ELT participants are required to submit form 82150. Florida’s Electronic Lien and Title program requires mandatory participation from lenders effective January 1, 2013.