MV-900.1 Form – The MV-900.1 form is an official New York State Department of Motor Vehicles (NY DMV) document titled NOTICE OF LIEN – CHARGE ACCOUNT CUSTOMER. It allows lienholders with a DMV charge account to record a security interest (lien) on vehicles, boats, trailers, or manufactured homes. This ensures the lien appears on the vehicle’s Certificate of Title.
Businesses and lenders with a DMV charge account use this specialized form instead of the standard MV-900. It streamlines the process by charging the lien filing fee directly to the account. The current version (revised 2/23) remains the active form as of 2026.
What Is the MV-900.1 Form?
The MV-900.1 is a one-page legal form used exclusively by DMV charge account customers to notify the New York DMV of a lien. Once processed, the DMV records the lien and issues (or updates) a Certificate of Title showing the lienholder’s name and details.
It applies to:
- Passenger vehicles and trucks
- Boats and trailers
- Manufactured homes
The form includes a detachable receipt at the bottom for the lienholder’s records. All information except signatures must be typed for processing.
Purpose of the MV-900.1 Notice of Lien
The primary purpose of MV-900.1 is to perfect a security interest under New York law. When properly filed, the lien protects the lender’s rights against other creditors or buyers. It authorizes the DMV to:
- Record the lien on the vehicle record
- Issue a new title (if none exists) or update an existing title
- Mail the title to the owner’s address on file (or the new address if indicated)
Lienholders must file the form as soon as possible—ideally within 10 days of the security agreement—to ensure the lien appears before any title is issued to the owner.
Who Should Use the MV-900.1 Form?
Only DMV charge account customers (typically banks, credit unions, finance companies, and large dealerships with an established escrow or charge account) use MV-900.1. Regular lienholders use the standard MV-900 form and pay the $5 fee by check.
Both the vehicle owner(s) and the lienholder must sign the form. If a corporation signs, the signer must print their name and title. Power of Attorney (POA) users must attach a copy of the POA.
Key Differences Between MV-900 and MV-900.1
| Feature | MV-900 (Standard) | MV-900.1 (Charge Account) |
|---|---|---|
| User | Any lienholder | DMV charge account holders only |
| Fee payment | $5 check payable to DMV | Charged directly to account |
| Top section | General lienholder info | DMV Charge Account Number |
| Receipt | No detachable receipt | Includes receipt section |
| Revision date | 12/24 | 2/23 |
Both forms achieve the same result: recording the lien. Use MV-900.1 only if you have a valid DMV charge account number.
How to Fill Out the MV-900.1 Form Step by Step?
Follow these instructions exactly as printed on the form (all fields except signatures must be typed):
- Enter DMV Charge Account Number at the top.
- Vehicle/Boat/Trailer/Manufactured Home Information
- Identification Number (VIN, hull ID, etc.) – verify accuracy
- Check one: Vehicle, Boat, Trailer, or Manufactured Home
- Year, Make, Body Type/Hull
- Registration/Plate No.
- No. of Borrowers (if applicable)
- Owner Information
- Owner’s full name (exactly as on title or driver license)
- NYS License/Permit/Non-Driver ID number
- Co-owner information (if any)
- Current mailing address
- Check the box if this is a new address
- Owner’s Statement & Signatures
- Owners must sign and date (original signatures required)
- Acknowledge that the lienholder will submit the form and title (if issued)
- Lien Information
- Lien Filing Code (if assigned)
- Lienholder’s full name and mailing address
- Date of Security Agreement
- Lienholder signature (original or facsimile stamp allowed)
- Title Status
- Check YES or NO if a NY Certificate of Title has been issued
- If YES, attach the original title
Warning: If any information is illegible, incorrect, or incomplete, the DMV will not record the lien.
Where to Download the MV-900.1 PDF?
Download the official, fillable MV-900.1 PDF directly from the New York DMV website:
https://dmv.ny.gov/forms/mv900.1.pdf
The file is free, always up-to-date, and contains built-in instructions. Do not use third-party copies, as they may be outdated or altered.
Submission Instructions for MV-900.1
Mail the completed form and the owner’s title (if issued) to:
Title Bureau
NYS Department of Motor Vehicles
PO Box 2604
Albany, NY 12220-0604
No separate check is needed—the filing fee is charged to your DMV account. Keep the bottom receipt for your records (do not detach until after mailing).
How to Verify Your Lien Has Been Recorded?
After submission, check the status online at the official DMV Lien/Title Certificate Status page:
dmv.ny.gov/titlestat
You will receive a Notice of Recorded Lien (form MV-901) once processed. The lien remains on record until a Notice of Satisfaction is filed.
Common Mistakes to Avoid with MV-900.1
- Handwriting any information instead of typing
- Mismatching owner names exactly as they appear on the title or license
- Forgetting to attach the title when “YES” is checked
- Submitting after the title has already been issued without following post-title lien procedures
- Using the form without a valid DMV charge account
Related NY DMV Forms and Resources
- MV-900 – Standard Notice of Lien (non-charge account)
- MV-909 – Complete guide to filing liens in New York
- MV-901 – Notice of Recorded Lien (issued by DMV)
- MV-902 – Application for Duplicate Title (if title is lost)
- Electronic Lien Transfer (ELT) program for qualified participants
All forms are available at dmv.ny.gov/forms.
Frequently Asked Questions (FAQs) about MV-900.1
Q: Can individuals use MV-900.1?
A: No. Only businesses with an active DMV charge account may use it.
Q: Is there a fee?
A: Yes—the standard lien recording fee is charged directly to your DMV account.
Q: How long does processing take?
A: Processing times vary; check the online status tool for the most current information.
Q: Can I file electronically?
A: Charge account customers using MV-900.1 typically mail the form. Contact the Title Bureau for electronic options if you participate in ELT.
Conclusion
The MV-900.1 form is the fastest and most efficient way for New York DMV charge account customers to record a lien on vehicles, boats, trailers, or manufactured homes. By downloading the official PDF, typing all information accurately, and mailing it promptly with the title (when required), you protect your security interest and ensure compliance with New York DMV rules.
For the latest version and instructions, always visit the official source: https://dmv.ny.gov/forms/mv900.1.pdf. If you have questions about your specific situation, contact the NY DMV Title Bureau directly.
Stay protected—file your MV-900.1 Notice of Lien correctly the first time.