On July 30, 2012, the Wisconsin Division of Motor Vehicles (DMV) began delivering titles to lien holders to comply with statute changes. Any title with a lien (loan) listed will now be sent to the lien holder rather than the owner. Owners of vehicles will receive a Confirmation of Ownership (form T056) and will receive the actual title when all liens are paid off.

If you need your Wisconsin title for any reason before you pay off the lien, you will need to contact your lien holder directly. If you already have your title (even if it lists a lien holder), you can keep it.

What are the advantages of this change?

• Title is securely held by the lender

• Fraud prevention and consumer protection

• Wisconsin joins 40+ other states that handle titles in this manner

• Movement toward a paperless environment

Lien holders may choose to have either paper or electronic titles. The DMV maintains title information in an electronic format. In addition, the DMV considers any record maintained in an electronic format to be the original and controlling record.

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