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Title to lien holder
What does it mean?
Starting July 1, 2012, Wisconsin becomes a title to lien holder (lender) state. Any title with a lien (loan) listed after July 1, 2012 will be sent to the lien holder rather than the owner. Lien holders may choose to have either paper or electronic titles. Owners of vehicles will receive a confirmation of ownership (T056) and will receive the actual title when all liens are paid off.
What are the advantages?
- Title is securely held by the lender
- Fraud prevention and consumer protection
- Wisconsin will join many other title to lien holder states
- Movement toward a paperless environment
- The title is delivered to the owner when all liens are paid
What about electronic titles?
On July 1, 2012, when a lien is listed against a vehicle, lien holders are encouraged to receive titles electronically through a service provider. If a lien holder chooses to receive electronic titles, a paper title would not be issued to the lender or owner until the lien is satisfied.
More information (FAQs) on title to lien holder and electronic titling for:
- general public (vehicle owners)
- Wisconsin dealers
- Wisconsin auctions
- financial institutions/lenders
- Service Providers
- third party partners (vendors, agents)
Questions? Contact us: Wisconsin DMV email service
Last modified: May 24, 2012
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