Massachusetts Electronic Liens & Titles (ELT)

The History of ELT in Massachusetts

The Massachusetts Registry of Motor Vehicles (RMV) implemented the Electronic Lien and Title Program (ELT) in December 1994. What follows are excerpts from Massachusetts' 2006 ELT guide:

In an effort to support a standard exchange of data and to avoid the need for states to develop their own specific applications, AAMVA [American Association of Motor Vehicle Administrators] created a working group to identify and develop a standard messaging system for a state to communicate with a lienholder.

The states of Massachusetts and Virginia were identified as the pilot states utilizing the AAMVAnet application. The Massachusetts RMV partnered with Shawmut (Fleet) and implemented ELT in December of 1994.

The pilot was deemed a success and plans were made to expand the program in both states.

Massachusetts also developed the additional "batch" ELT processing method and piloted with BankBoston, implementing the batch system in addition to the online system in November 1997.

As of July 2013, in addition to Massachusetts, 17 other states have implemented electronic lien and title programs. They are Arizona, California, Florida, Georgia, Hawaii, Idaho, Louisiana, Nebraska, New York, Ohio, Pennsylvania, South Carolina, South Dakota, Texas, Virginia, Washington, and Wisconsin. Each state's program is unique depending on state laws and requirements, but all ELT programs significantly improved the lien and title process. Now bankers, credit unions, dealers, and other financial institutions no longer need to store and file paper titles. Lenders can electronically secure and release liens on titles using a web application developed by Decision Dynamics, Inc. called Premier eTitleLien™.

Premier eTitleLien™ was originally developed as a result of a partnership with the South Carolina Department of Motor Vehicles and the South Carolina Banker's Association to serve the various needs of lenders. This lender-designed program allows lenders to maintain control of their vehicle collateral while incorporating the benefits of electronic processing and communication.


Premier eTitleLien® Decision Dynamics, Inc.