North Carolina Electronic Liens & Titles (ELT)

ELT in North Carolina

The North Carolina Department of Transportation Division of Motor Vehicles launched a voluntary ELT program on November 1, 2014 with expectations of the program eventually requiring mandatory participation. According to House Bill 1133 and Senate Bill 407, all individuals and lienholders who finance motor vehicles will be required to participate in the NC ELT program beginning on January 1, 2016. The only exception to the mandatory requirement is for individuals and lienholders who process less than five lien transactions per calendar year.

Once the grace period ends, if a lender conducts five or more transactions annually and does not have an ELT service provider, the title transactions will be rejected by the DMV. If this occurs, the DMV eDS ELT helpdesk will inform the lienholder of the approved service provider list to eliminate any further delays. Please note: there are no financial penalties associated with a DMV title rejection.

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.


4/21/2015 Web News: NC Mandatory Mandatory ELT: When, How, and How Much
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.

More about ELT in North Carolina

What is the Electronic Lien and Title Program?

The Electronic Lien and Title Program allows the NC DMV and a lending institution (lienholder) to exchange vehicle and title information electronically. This electronic transferal of information eliminates the need to print and mail paper titles. Both the lienholder and the DMV reap the benefits of lower costs in processing, mailing, filing and retrieving paper titles.

How does this work?

Very simple:

  1. The lender provides North Carolina DMV with a title application (Form MVR-1) to a local DMV office with accompanying documentation. (An application for lien could also be mailed or handled by a dealer.)
  2. NC DMV records the lien and sends an electronic message with similar titling information as appears on a paper form. This information includes a description of the vehicle and the name and address of the vehicle owner.
  3. DDI receives the message from NC DMV, formats it, and makes it available to the lender in Premier eTitleLien®.
  4. The lender works with Premier eTitleLien® to validate the lien information.
  5. Once the loan is satisfied, the lender uses Premier eTitleLien® to release the lien.
  6. NC DMV mails a clear title (no lien) to the vehicle owner.

There are also provisions within the North Carolina ELT program for requesting paper titles (with lien). Premier eTitleLien® supports every feature of the ELT program offered by the state, making ELT as simple and as foolproof as possible, supplementing with additional tools including preparing the Form MVR-1.

What are the benefits of the Electronic Lien and Title System?

The electronic lien and title system reduces the costs associated with handling, storage and mailing 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 is 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.

Other Benefits:

  • Reduces title fraud.
  • Reduction of title paper usage.
  • Faster notification of lien satisfactions.
  • Access to expedited title printing.
  • Reduction in storage of title documents.
  • Consolidated, itemized monthly billing for title services.
  • Better customer service.
  • Overall reduced costs.

Additionally, electronic lienholder customers who have satisfied their loan obligations will receive clear paper titles faster, after the lienholder has electronically notified the DMV that the lien has been released.

For more information on Premier eTitleLien® or participating in the North Carolina ELT program, please visit

Premier eTitleLien® Decision Dynamics, Inc.