Georgia Electronic Liens & Titles (ELT)

ELT in Georgia

The Georgia Department of Revenue Motor Vehicle Division (DOR) implemented the Electronic Liens and Titles (ELT) program in July 2008. This service revolutionizes the lien and title process, as 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™.

Decision Dynamics, Inc. worked closely with the Georgia Bankers Association and the GA Department of Revenue beginning in June 2007 to allow GA lenders to benefit from the ELT program.


5/21/2013: Web News: Georgia Lenders: Second ELT Deadline Approaching
2/28/2013: Web News: ELT Users: Paying the TAVT
2/22/2013: Web News: New Vehicle Tax for Georgia Residents
2/4/2013: Web News: Easy Transition to ELT in Georgia with DDI's Help
1/8/2013: Press Release: Decision Dynamics, Inc. Supports California, Florida, and Georgia Lenders during Mandatory Electronic Lien and Title (ELT) Deadlines
12/13/2012: Web News: California, Florida, and Georgia mandatory ELT deadline Jan. 1
11/27/2012: Web News: Georgia mandatory ELT: a closer look
11/6/2012: Press Release: Decision Dynamics, Inc.–Georgia Bankers Association Partnership Renewed as First Mandatory ELT Deadline Approaches
5/29/2012: Web News: Georgia: GBA Annual Meeting and ELT
5/11/2012: Web News: Help Your Bank Prepare for Mandatory ELT in Georgia
4/12/2012: Web News: GA ELT: Mandating Legislation
3/30/2012: Web News: Georgia ELT: Mandatory Legislation Passed
5/18/2011: Updates to this site, including new FAQ entries.
5/10/2011: Article posted on Bankruptcy and the Georgia Title Issue Date.

More about ELT in Georgia

What is the Electronic Liens and Titles Program?

The Electronic Liens and Titles (ELT) Program is a method by which the Department of Revenue (DOR) and a lending institution (lienholder) can exchange vehicle and title information. Instead of printing a paper title and mailing it to the lienholder, the GA DOR can transmit essential identifying information electronically. Once the lien has been satisfied, the lienholder sends an electronic message releasing the title. The DOR then prints and mails the title to the vehicle owner.

This process eliminates much of the paper handling involved in the vehicle titling process. Both parties benefit from lower costs of processing, mailing, filing and retrieving paper.

How does this work?

Very simple:

  1. The lender provides GA DOR MVD a title application (MV1) through the mail with accompanying documentation. (Or an application for lien is handled by a dealer.)
  2. Georgia 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 the DOR, 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. Georgia mails a clear title (no lien) to the vehicle owner.

There are also provisions within the Georgia ELT program for requesting paper titles (with lien), converting paper titles to electronic (a particularly excellent option), changing owner address information, and releasing the lien directly to a dealer or insurance company. Premier eTitleLien™ supports these features, making them simple and as foolproof as possible, and supplements them with additional tools including preparing the MV-38L.

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 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.

Other Benefits:

  • Reduces 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.
  • Reduced costs.

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

Premier eTitleLien® Decision Dynamics, Inc.