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Lenders

The National Digital Titling Clearinghouse provides a seamless, legally compliant solution for managing liens and titles. With instant electronic lien releases, a paperless process, and simplified document surrender, lenders can process transactions faster while reducing costs. A streamlined digital title management system ensures accuracy, efficiency, and compliance in every state.

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The Clearinghouse (NDTC) simplifies title processing with a fully digital, legally compliant system that removes paperwork and delays. Lenders can release electronic liens (ELT) immediately, enabling vehicle sales before paper titles are received. Original documents are no longer required, cutting costs related to printing, mailing, and storage. By accepting MVRs in place of titles, the document surrender process becomes faster and more efficient.

The Master Benefits of The Clearinghouse:

Fully Digital Process

No paper, no wet signatures, no notary required.

Standardized Process

Able to transact using a single set of documents.

Nationally Recognized

Compliant in all 50 states, as evidenced in JD Power Handbook.

Speed

Same-day processing.

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The Benefits to Lenders:

1

Legislative Compliance:

Ensures accuracy of state and federal laws.
2

Efficient Processing:

Prevent delays in ELT paper release; the vehicle can be sold before the title is received by mail.
3

No Original Documents Needed

Eliminates the need for paper processing and related expenses.
4

Ease of Document Surrender:

MVRs can be surrendered in place of a title

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Why CHAMP?

CHAMP’s team has 200+ years of combined experience in designing and building mission critical applications in the financial services, insurance, and ecommerce industries.

Time to Market

vs competitor solution
Can be launched in as little
as 6 months
Quickly enable a full
E-Titling and ELT capability
as well as paperless,
digital titles

Total Cost of Ownership

vs competitor solution
Requires no upfront cost
pay as you transact
model (title transfer, 
registration, lien 
filing/release, etc.)

Future Proof

vs competitor solution
Services are continuously
improved
via our cloud-based
architecture
Transition from mainframe at
no additional cost

Frequently Asked Questions – The Clearinghouse for Lenders

How does The Clearinghouse benefit lenders?
The Clearinghouse (NDTC) provides a fully digital, legally compliant solution that streamlines lien and title management. Lenders can release electronic liens (ELT) instantly, reducing delays, eliminating paperwork, and cutting costs tied to printing, mailing, and storage.
Is The Clearinghouse compliant with state and federal laws?
Yes, The Clearinghouse follows a standardized, nationally recognized process that meets compliance requirements in all 50 states, as outlined in the JD Power Handbook. It ensures accuracy and adherence to state and federal regulations for seamless transactions.
How does The Clearinghouse speed up lien and title processing?
By digitizing the entire process, The Clearinghouse enables same-day transactions. Lenders can release ELTs instantly, allowing vehicles to be sold before paper titles are received, preventing delays that impact sales and financing.
Do lenders still need to handle original documents?
No, The Clearinghouse eliminates the need for physical paperwork, wet signatures, and notaries. This reduces administrative burdens, lowers costs, and ensures a more efficient lien and title management process.
How does document surrender work with The Clearinghouse?
Instead of requiring a physical title, The Clearinghouse allows MVRs (Motor Vehicle Records) to be surrendered in place of a title, making the process simpler and faster for lenders while maintaining compliance.

How can lenders get started with The Clearinghouse?
Lenders can easily integrate The Clearinghouse into their lien and title management process with minimal disruption. Contact our team today to learn how to go digital, streamline operations, and improve efficiency in lending transactions.

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Contact Us

“We are excited to be the first state to offer these fully digital services and appreciate the partnership with CHAMP Titles.”

Everett Frazier
Commissioner of West Virginia’s 
Division of Motor Vehicles
Contact us now to schedule a demo, partner with us, or learn more about how we’re changing the titling ecosystem!
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