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Electronic Lien Overview

  • Titles
  • Current: Electronic Lien Overview

The Indiana BMV E-lien System went live on July 1, 2022. This system will provide process efficiency for stakeholders engaged throughout the lien process. This page provides links to frequently asked questions for both providers and vehicle owners. In addition, this page helps potential service providers navigate the engagement and onboarding process for the E-lien System.

Service Provider Information

At a high level, to become active in the E-lien System, each service provider will need to build their own interface to connect to the BMV. To support this connection, the BMV has created a set of technical specifications and established a collaboration site to enable service providers to make the necessary changes to their systems. Upon completion of an application and execution of a contract, each service provider will be required to demonstrate they can successfully process an electronic lien in the BMV test environment before they will be given access to the production system.

Below is a summary of the critical steps required for service providers and BMV to mutually execute. Upon completion of all steps, service providers will be live in the BMV E-lien System.

  • Service Provider Engagement and Onboarding Process
    Service provider completes E-lien application
    Available on in.gov/bmv on or before June 15, 2022

    BMV reviews service provider E-lien application to verify requirements are met

    Upon application approval, service provider will be sent final E-lien contract and program requirements for execution

    Service provider and BMV mutually execute contract and program requirements

    BMV sends service provider unique access keys and connection information for the BMV E-lien test environment

    Service provider develops integration with the BMV E-Lien System and alerts BMV team once ready for certification

    Service provider passes the certification process

    BMV sends service provider unique access keys and connection information for the E-lien production environment

    Service provider is live in BMV E-lien System

Ready to get started?

Before you apply to become an approved service provider, there are three items that require your review. The Program Requirements set forth the qualifications a service provider must comply with to participate in the BMV E-lien Program. The Program Requirements set forth the qualifications a service provider must comply with to participate in the BMV E-lien Program. The requirements document is a working file and will be adjusted based on feedback from engaged service providers. The document is dated and indicated by version number. Previous versions are available upon request.

Ensure you have carefully reviewed and can comply with all required components prior to completing and submitting the E-lien Application Form.

Program Requirements

Download

Technical Specifications

Download

Insurance Requirements

Download

Information Security Framework

Read More

After reviewing these requirements, you may submit your application. A PDF version of the application is available to review here. The application must be submitted electronically.

If you have questions, please email ELTHelpDesk@bmv.in.gov.

FAQs for Providers

FAQs for Vehicle Owners

  • What is an e-lien?

    An e-lien enables participating lienholders to manage their liens electronically. It could be considered an electronic filing cabinet.

  • What is a participating lienholder?

    A participating lienholder is a financial institution that has signed up with an approved E-lien service provider to have all titles with their liens listed in Indiana stored electronically.

  • What does it mean if my title is electronic?

    Electronic title records are issued for titles that have a primary lienholder that is a participating lienholder in the E-lien program.

  • What happens when my auto loan is paid off?

    The lienholder will submit a lien release to the BMV using the E-lien system. Once the lien is released, if no other lien is listed on the vehicle the title will be printed and mailed to you. However, if there is secondary lien listed that is not an E-lien, the title will still be printed and mailed to the lienholder. If secondary lien listed is an E-lien, then the title will remain electronic.

  • What happens if I am moving out of state and my title is electronic?

    You will simply inform your lienholder that you are moving to another state and they will request a paper title from the BMV. Once the paper title has been generated and mailed to the address provided by the lienholder, it can be transferred to your new state of residence.

  • What happens if I am moving to Indiana and my title is currently electronic in another state?

    You will simply visit your local BMV branch in Indiana to begin this process. Inform the Customer Service Representative that you have moved to Indiana from another state, and you would like to request the title for your vehicle from your lienholder.

    Prior to visiting your local BMV branch in Indiana, you may complete sections 2 through 5 of State Form 1014 – Request for Title. Your local branch will complete section 1 and initiate the process by mailing the form to your lienholder. This form is not required to be completed prior to visiting the branch but doing so will greatly increase the efficiency of your visit.

    Upon receipt of this request from the Indiana BMV, your lienholder must obtain a paper title from the motor vehicle agency in the state you are moving from. Once the paper title has been generated, it must be mailed directly to your local BMV branch in Indiana for processing. If your lienholder participates in Indiana’s E-lien program, the title will be issued as an electronic title.

  • What type of transactions can be processed with ELT lienholder?
    • Lien release
    • Print title
    • Amend transactions available are:
      1. Update or correct owner information
      2. Update or correct vehicle information
      3. Update or correct odometer information
      4. Update or correct lien information