North Carolina Electronic Liens & Titles (ELT)

ELT in North Carolina

North Carolina recently passed legislation requiring the North Carolina Department of Transportation Division of Motor Vehicles to implement an "electronic lien system to process the notification and release of security interests and certificate of title data." The bill includes a deadline that the new Electronic Lien and Title (ELT) system be implemented by July 1, 2014. Participation in the program will be mandatory beginning July 1, 2015.  All individuals and lenders who normally finance motor vehicles will be required to participate in the NC ELT program unless they process less than five lien transactions per year.

The ELT program changes the lien and title process for lenders (bankers, credit unions, dealers, and other financial institutions) as lenders no longer need to store and file paper titles.

More details will be posted here as they are finalized by the state. Please also see the FAQS page.


9/18/2014 Web News: North Carolina ELT Quick Facts
6/2/2014 Web News: The NCBA 118th Annual Convention
5/14/2014 Web News: North Carolina ELT Program On Schedule
10/31/2013 Press Release: Decision Dynamics Endorsed ELT Vendor for NC Bankers
7/31/2013 Web News: North Carolina ELT Bill Signed
7/30/2013 Site updates including new Frequently Asked Questions
7/23/2013 Legislation signed by the governor, directing the DMV to develop an electronic lien system.

Until ELT

For both paper titles and electronic titles, Decision Dynamics, Inc. (DDI) provides lienholders with the right services and tools for processing titles more effectively. DDI provides the Premier eTitleLien™ product that lienholders use to have ready access to all their titles via a secure, Internet-based application. In addition, DDI provides a full range of title administration services for lenders that desire to outsource their title processing activities. DDI's title administration staff is trained to handle all title transactions, from the relative simple task of adding a lien to a title to the complex title and registration processing required for transferring personal or commercial vehicles from one state to another, with or without change of owner.

Combining DDI Title Center services with Premier eTitleLien™ allows lenders to manage all titles electronically and from a single, consistent application for any state, including North Carolina.

For more information on Premier eTitleLien™ please visit

Premier eTitleLien™ Decision Dynamics, Inc.