Massachusetts Electronic Liens & Titles (ELT)

ELT in Massachusetts

The Massachusetts Department of Transportation Registry of Motor Vehicles (RMV) implemented the Electronic Lien and Title Program (ELT) in 1994. The program is an optional program for lenders.

In September of 2011, Decision Dynamics, Inc. received approval to begin processing Massachusetts electronic titles. Decision Dynamics, Inc. (DDI) works with the MA ELT program by providing a web application called Premier eTitleLien™. Premier eTitleLien™ allows lenders to maintain control of their vehicle collateral while enjoying the benefits of electronic processing and communication. Decision Dynamics, Inc. continues to work with the Massachusetts RMV and their customers to improve title and lien management in Massachusetts.


More about ELT in Massachusetts

What is the Electronic Lien and Title Program?

The Electronic Lien and Title Program is a method by which the Massachusetts RMV and lending institutions (lienholders) can exchange vehicle and title information electronically. The MA RMV transmits essential identifying information electronically to the lienholder which eliminates the need to print and mail paper titles. Once the loan has been satisfied, the lienholder sends an electronic message releasing the title at which point the RMV prints and mails a paper title to the vehicle owner.

This process eliminates most of the paper handling involved in the vehicle titling process. Both the lending organizations and the RMV benefit from lower costs associated with processing, mailing, filing and retrieving paper titles.

How does this work?

Very simple:

  1. For applying for a new title with lien or title & registration with lien, Premier eTitleLien™ supports the Massachusetts RMV-1. The Title Amendment Form (Form 20065) can be used to add a lien to a title when no other changes are needed (no change of owner). The lender provides Massachusetts RMV with one of the applications by mail with accompanying documentation. (It's also possible for a dealer to handle the application for lien process.)
  2. MA RMV records the lien and sends DDI 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 MA RMV, 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. The Massachusetts RMV then mails a clear title (no lien) to the vehicle's registered owner.

The Massachusetts ELT program also has provisions for requesting paper titles (with lien) and mailing titles with a released lien to an alternate address. Premier eTitleLien™ supports these features, making them simple and as foolproof as possible, and supplements them with additional tools including preparing the RMV-1.

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

The electronic lien and title 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 no longer have to:

  • Retrieve a title from a conventional file when the lien has been satisfied.
  • Physically satisfy (sign off) a lien on a title.
  • Mail the title to the registered owner.
  • Apply for a duplicate title when the original title has been lost.

Other Benefits:

  • Reduction in title fraud.
  • Reduction of title paper usage.
  • Faster notification of lien satisfactions.
  • 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 RMV that the lien has been released.

For more information on Premier eTitleLien™ or participating in the Massachusetts ELT program, please visit

Premier eTitleLien® Decision Dynamics, Inc.