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Electronic Lien Program Frequently Asked Questions

How long does it take to receive a title released electronically?
Once the "LO, Release Lien Interest" or "LG" Request Paper Title" message has been received by DMV, the request is run against the DMV files overnight, and the title is printed and mailed the next morning.
What if a borrower wants something in their hand immediately after paying off a loan?
If the customer must have the title document within 24 hours, the lienholder may send an "LO, Release Lien Interest" message, including the identification of the CSC where the customer desires to pick up the paper title, to DMV’s "Emergency" mailbox. DMV will process the messages in the "Emergency" mailbox on an hourly basis between the hours of 7:00 A.M. and 4:00 P.M. EST or EDST, Monday through Friday, excluding State Holidays. The paper title will be available for pick up at the designated CSC within an hour of processing by DMV, with proper identification.
What if the title release sent electronically does not match the information on file at the DMV?
Upon processing the request will reject, and print on a daily report for resolution. DMV will contact the lienholder’s designated contact person for resolution, within 24 hours of receiving the release message from the lienholder.
What if a dealer pays off the loan due the vehicle being traded-in or sold to the dealer, or an insurance company pays off the loan due to the vehicle being "totaled", or another lender pays off the loan due to a refinancing, and requires a paper title within 24 hours?
The lienholder may send an "LO, Release Lien Interest" message, including the identification of the CSC where the specified dealer, insurance company, or lender desires to pick up the paper title, to DMV’s "Emergency" mailbox. DMV will process the messages in the "Emergency" mailbox on an hourly basis between the hours of 7:00 A.M. and 4:00 P.M. EST or EDST, Monday through Friday, excluding State Holidays. The paper title will be available for pick up at the designated CSC within an hour of processing by DMV, by a representative of the specified dealer, insurance company, or lender provided the representative has proper identification, and a letter, on the specified dealer’s, insurance company’s, or lender’s letterhead, identifying the representative as authorized to pick up the title.
What if a dealer pays off the loan due the vehicle being traded-in or sold to the dealer, or an insurance company pays off the loan due to the vehicle being "totaled", or another lender pays off the loan due to a refinancing, and requires a paper title, but not necessarily within 24 hours?
The lienholder may send an "LO, Release Lien Interest" message, including the dealer’s, insurance company’s, or lender’s name and address where the paper title is to be mailed, to DMV’s regular mailbox. DMV will process the messages in the mailbox on a nightly basis, Monday through Friday, excluding State Holidays. The paper title will be printed and mailed to the customer, in care of the specified dealer, insurance company, or lender, within 24 hours.
What if an "LC, lien establishment" message is received that identifies the wrong division within the lienholder’s organization, where that division also has electronic liens?
The lienholder’s designated representative should contact DMV at (804) 367-2495, to request that the lien be corrected to the proper division. Do not send an "LE, Lienholder release of lien due to error" message.
What if an "LC, lien establishment" message is received that either identifies the wrong division within the lienholder’s organization, where that division does not have electronic liens, or the lien belongs to another lienholder?
The lienholder should send an "LE, Lienholder release of lien due to error" message.
What indicator does a dealership place on the title application to indicate that the lien is electronic?
his depends on the lienholder’s desire. If that lienholder’s liens are all electronic, all that is necessary is the lienholder’s name and address. If some of the lienholder’s liens are electronic and some are not, and the lienholder uses different addresses, then just the lienholder’s name and address will be sufficient. If the lienholder uses the same name and address for both electronic and non-electronic liens, or if there are two subdivisions within the lienholder’s organization, then an electronic lienholder code must be indicated on the title application in the appropriate field of Block #2. The electronic lienholder codes are assigned by DMV.