Electronic Lien & Titling Call-to-Action Continues, Weigh-in Today

The NJ Credit Union League has issued a Call-to-Action in support of its efforts to get the NJ Motor Vehicle Commission (MVC) to adopt Electronic Lien and Titling (ELT). The NJCUL has been pressing for ELT for several years now, first on an administrative level and then through legislation. 

League-requested legislation mandating the MVC implement ELT was signed into law in January 2018.

The new law gave the MVC sixty-days to assess whether it would be able get ELT up and running within one year and, if not, required it to engage an outside entity to implement ELT. Six months have passed since the required implementation deadline. Despite the legislative mandate, the MVC has given no indication when ELT will be implemented.

The New Jersey Office of Innovation is looking for feedback on how to improve interactions between state government and the business community. The NJ Business & Industry Association (NJBIA) has set up an electronic survey to collect that information. 

Credit union professionals, volunteers and members are encouraged, to take a few minutes to answer questions about their dealings with state government, particularly the need for ELT. The NJBIA will be forwarding the survey results to the Office of Innovation. 

The survey is available here and suggested comments that can be easily cut and pasted into the survey follow:

  • Electronic Lien & Titling (ELT) for motor vehicles replaces paper liens and titles with an electronic system which significantly reduces paperwork and the opportunity for fraud.
  • ELT benefits lenders because it allows them to avoid the cost and time associated with paper liens. ELT benefits consumers who no longer have to worry about lost or impaired titles, or delays in issuing a title or releasing a lien.  
  • ELT benefits the state, its citizens and lenders by reducing the potential for fraud such as the case that resulted in the June 2017 indictment by the NJ Attorney General of five individuals who over a four-year period financed a series of automobile purchases and, after fraudulently having the liens released, resold the automobiles for cash. 
  • Nearly half the states including Pennsylvania and New York have ELT systems in place. Credit unions first met with the NJ Motor Vehicle Commission (MVC) in 2012 to encourage development and implementation of ELT in New Jersey. While the MVC has indicated its intention to implement ELT and adopted regulations allowing it to create an ELT system, that project has been repeatedly postponed due to competing demands. ELT can be outsourced and implemented at no extra cost to the state. 


  • Legislation (S2968, now P.L.2017 c.308) signed into law January 16, 2018 gave the MVC 60 days to assess whether it could get ELT up and running within a year of the bill’s enactment (1/16/19) and, if not, required it to engage an outside entity to implement ELT for NJ. Despite the legislative mandate, the MVC has given no indication when ELT will be available.

Any questions concerning the survey should be directed to NJCUL Vice President of Corporate and Governmental Affairs Chris Abeel at cabeel@njcul.org or 609-448-242, ext 127.