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Senate committee backs electronic lien and title system bill; floor debate focuses on fees and security

January 17, 2025 | Senate, Committees, Legislative, Wyoming


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Senate committee backs electronic lien and title system bill; floor debate focuses on fees and security
The Senate Committee of the Whole reported favorably on Senate File 25, a 24‑page bill to create an electronic lien and title (ELT) system administered by the Wyoming Department of Transportation.

Senator Anderson, speaking for the bill, said the system would convert vehicle titles to electronic records unless a paper title is requested, require dealers and lienholders to submit information electronically, and allow title and lien releases to be processed online. The sponsor said local county clerks and treasurers would still be able to provide paper titles on request and that mobile homes would be specifically exempted from the ELT mandate. The Department of Transportation was authorized to contract with vendors and promulgate rules; the bill's effective date is July 2027.

Floor questions concentrated on the transaction fee structure and data security. Senators asked whether the fees charged by vendors would be capped or otherwise constrained, whether realized cost savings for stakeholders would be passed on to consumers, and how the state would safeguard personal data. Senators were told vendors provided a wide range of preliminary fee estimates (roughly $5 to $50 per transaction), that exact fees would be determined through a competitive RFP and subsequent rulemaking, and that no upfront implementation cost would be charged to the state or counties (the fiscal note anticipated highway‑funded, temporary positions to implement the system).

Supporters argued the ELT system reduces fraud and administrative losses cited by banks and title services, and that dealers and financial institutions expect net benefit despite transaction fees because electronic processing reduces delays and fraud exposure. Opponents pressed for additional assurances that fees would not become an added cost burden on individual consumers and asked for specific caps or statutory protections; supporters said those issues could be addressed during rulemaking and in follow‑up reviews before the system becomes effective.

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