A State-Backed National Digital Platform At Your Fingertips

CHAMP’s State-Backed Titling platform, The National Digital Titling Clearinghouse transforms how vehicle titles are processed, transferred, and verified across the nation. Built in collaboration with the State of West Virginia, this trusted digital infrastructure connects agencies, dealers, and industry partners through secure, compliant, and fully electronic solutions.

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The National Digital Titling Clearinghouse

The National Digital Title Clearinghouse (NDTC) was established in 2023 through West Virginia House Bill 2506 to enable licensed Non-Resident Businesses (NRBs) to submit title applications online. Operated by the West Virginia Department of Transportation in partnership with Tyler Technologies and CHAMP Titles, the National Digital Titling Clearinghouse gives approved NRBs streamlined, licensed access to secure legal ownership of their inventory quickly and efficiently.

Award-Winning
State-Backed Technology

CHAMP recognized that legacy, paper-driven titling was slowing approvals, causing inconsistencies across states, and creating operational strain for every participant in the titling ecosystem. To solve this, CHAMP partnered with the State of West Virginia to build NDTC, a secure, fully digital infrastructure that standardizes submissions, accelerates processing, and connects the entire industry through one seamless electronic experience.

Dealerships

Efficiently manage the titling process for acquired used vehicles, ensuring they are ready for sale and seamlessly retitled to buyers.

Lenders

Streamline the retitling process for financed vehicles, ensuring smooth transitions for repossessions, sales, and ownership transfers.

Insurance Carriers

Quickly retitle recovered vehicles in the carrier’s name, minimizing losses and avoiding unrecoverable expenses.

Fleet

Simplify the retitling process for fleet vehicles reaching the end of their lifecycle, reducing administrative burdens and maximizing efficiency

Service Providers

Support digital title management for dealerships, lenders, fleets, and insurers with secure, real-time processing and seamless integrations.

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Inside the Innovation:
The Benefits of The NDTC

Online submission with e-signature and no notary requirement eliminates mailing costs and removes delays between parties.

West Virginia processes title applications in under 24 hours and returns decisions electronically, eliminating the need to mail paper documents and significantly reducing wait times.

Users receive either an approval with a title number or a rejection that includes a detailed reason for correction and resubmission, resulting in faster approvals and higher accuracy.

By replacing a slow, paper-based process with a fully digital, secure system, NDTC enables dealerships, lenders, fleets, and insurers to complete title transactions in hours instead of months

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Frequently Asked Questions

What is state backed digital titling, and why is it different from commercial digital titling options?

State backed digital titling is authorized and operated through a government system, ensuring legal validity, compliance, and direct integration with a state’s DMV infrastructure. Established in 2023 through West Virginia House Bill 2506, the National Digital Titling Clearinghouse (NDTC) enables licensed Non-Resident Businesses (NRBs) to submit title applications online. Operated by the West Virginia Department of Transportation in partnership with Tyler Technologies and CHAMP Titles, NDTC provides secure, streamlined access to legal ownership and title management.

How does The NDTC work with dealerships, lenders, and fleets?

The NDTC provides same day electronic title issuance and transfer capabilities through its secure online platform, enabling dealerships, lenders, and fleets to process titles digitally regardless of where their enterprise is located across the United States. This eliminates paper handling, reduces delays, and delivers faster, more transparent transactions nationwide.

Which states currently use or support The NDTC’s digital titling system?

The NDTC was developed and operates under the authority of the State of West Virginia, serving as the nation’s first state backed digital titling system. Its model is built to function across state lines and within all 50 states, offering a compliant, scalable foundation for nationwide title and registration modernization.

How does The NDTC ensure security and compliance for digital title transactions?

At CHAMP, we impact the title ecosystem in several ways: For the government or title issuing authority, not much fundamentally changes as they remain the final point of control before title issuance, with our role being merely to convert their existing paper-based process into a digital one. For banks, insurance companies, consumers, car dealers, and manufacturers, however, reducing paper allows for a digital world associated with significantly less time and cost, enabling cleaner data use going forward, exemplified by public safety scenarios where a manufacturer conducting a recall can now instantly identify the precise vehicle owner with the press of a button, unlike the current paper and manual system which unfortunately leads to many recalled vehicles never being fixed.

A State-Backed National Digital Platform At Your Fingertips

The National Digital Titling Clearinghouse