Massachusetts Registry of Motor Vehicles to Mandate Electronic Lien and Title Program (ELT)

The Massachusetts Registry of Motor Vehicles is opening a dialogue to discuss mandating the ELT Program in Massachusetts as they are expected to proceed with an ELT mandate in the very near future. 

Joyce Mover, ELT Program Manager is interested in meeting with any Massachusetts Credit Union regarding any concerns and welcomes your feedback regarding the mandate.

The Electronic Lien and Title Program, (ELT), is a paperless method by which the Mass DOT-RMV Division and your credit union (lienholder) can exchange vehicle and title information via an ELT service provider.  Instead of the RMV printing a paper title and mailing it to the lienholder, the RMV transmits the title record electronically which the credit union will store versus a paper title.

Once the lien has been satisfied, the credit union sends the RMV an electronic message releasing the title. The RMV then prints and mails the title to the vehicle owner.  (Or a third party if designated by the lienholder.)

At any time, the credit union may request a paper title listing themselves as lienholder.

The Massachusetts ELT Business User Document is available to Association members on our website as a Compliance Related Resource. You will need to log in to view the document, which outlines the basic workings of the program.

Currently 23 states participate in the ELT Program with 12 states mandating it. 

If you have any questions about the ELT Program, please contact Joyce Mover, ELT Program Manager -Mass DOT-RMV Division by email at, or by telephone 857-368-7481.