Florida HSMV Form 82150 – ELT Application Guide

Florida HSMV Form 82150 – ELT Application Guide – Financial institutions, lenders, and other lienholders operating in Florida must participate in the state’s Electronic Lien and Title (ELT) Program. The official document used to enroll or update participation is Florida HSMV Form 82150, titled “Application and Notice of Interest – Electronic Lien and Title Process.” This form, issued by the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), enables lienholders to secure liens electronically and manage accounts under Chapters 319, 320, and 328 of the Florida Statutes.

Participation became mandatory for most lenders effective January 1, 2013. Entities regularly engaged in financing vehicles, mobile homes, or vessels titled in Florida are required to use the ELT system. Individuals and lienholders not normally in the business of financing are generally exempt.

What Is Florida HSMV Form 82150?

Form HSMV 82150 is the official application that financial institutions and lienholders submit to enroll in Florida’s ELT Program or to modify an existing ELT account. It allows the Department to assign a DHSMV Customer Number and process electronic lien notifications and satisfactions.

The form covers several actions:

• Initial Enrollment in the ELT Program
• Change of Financial Institution Address and/or FEIN
• Change of Third Party Provider
• Change of Financial Institution Name
• Notice of Inactive Participant in the ELT Program

The current revision is HSMV 82150 (Rev. 08/25). Completed forms are mailed to:

Florida Department of Highway Safety and Motor Vehicles
2900 Apalachee Parkway, MS68 RM. A332
Tallahassee, FL 32399

Download the official Form 82150 here: https://www.flhsmv.gov/pdf/forms/82150.pdf

Purpose of the Electronic Lien and Title (ELT) Program

Florida’s ELT system replaces traditional paper titles with electronic titles maintained in the FLHSMV database. An electronic title holds the same legal status as a paper title under section 319.24, Florida Statutes.

When a lien is recorded, FLHSMV transmits an electronic notification to the lienholder (or its approved third-party provider). Lien satisfactions are also sent electronically. Once the final lien is released, the title remains electronic until the owner or lienholder specifically requests a paper title.

Key benefits for lienholders and vehicle owners include:

• Reduced title fraud and lower risk of lost titles
• Faster notification of lien satisfactions
• Elimination of physical title storage and mailing costs
• Access to expedited title printing
• Improved customer service and overall cost savings

Official information is available on the FLHSMV Electronic Liens and Titles page and the Electronic Lien and Titles authorized providers page.

Who Must Complete Form 82150?

Any financial institution or lienholder that regularly finances vehicles, mobile homes, or vessels to be titled in Florida must enroll using Form 82150. This includes:

• Florida and out-of-state banks
• Credit unions (federal and state)
• Savings and loan associations
• Finance companies
• Thrift institutions
• Other authorized lending entities

Out-of-state lienholders financing Florida-titled vehicles are also required to participate. Non-business individual lienholders are typically exempt and may process liens under an ELT exception.

How to Complete and Submit Florida HSMV Form 82150?

Follow these steps based on official FLHSMV guidance:

1. Select an approved third-party service provider – Lienholders must contract with one of the Department’s certified ELT providers for data transmission and record management. Current approved providers include Auto Data Direct, AutoTitles America, DDI Technology, Florida ELT, INSTeTAG, PDP Group, Secure Title Administration, Title Technologies, VINtek, and Vitu Collateral Management Solutions. A full list is maintained on the FLHSMV website.
2. Download and complete Form 82150 – Obtain the latest version from the official FLHSMV forms page or directly at https://www.flhsmv.gov/pdf/forms/82150.pdf.
3. Fill out the required sections:
   • Section A – Select the appropriate action (initial enrollment, address/FEIN change, provider change, name change, or inactive notice).
   • Section B – Provide lienholder details: DHSMV Customer Number (if already assigned), Federal Employer Identification Number (FEIN), business name and type, mailing and physical addresses, and contact information for administrative, data processing, and authorized representatives. Include a copy of the Federal/State Charter or License.
   • Select the chosen ELT Third Party Provider and provide approximate title volume statistics.
   • Have an authorized designee sign and date the form.
4. Submit through the third-party provider – Forward the completed, signed original form and supporting documents to the selected provider. The provider submits the application electronically to FLHSMV and retains the original for audit purposes.
5. Await activation – Once approved, FLHSMV assigns a DHSMV Customer Number (for new enrollees) and sets a startup date. The lienholder then provides this number on title applications (typically Form HSMV 82040) when perfecting liens.

Detailed procedural guidance appears in FLHSMV Procedure TL-69 (Electronic Lien and Title Program).

Important Requirements and Conditions for ELT Participants

Participating lienholders agree to several conditions, including:

• Contracting with an approved third-party provider for all electronic data transmission
• Protecting the confidentiality of motor vehicle, mobile home, vessel, and title data received from FLHSMV
• Complying with Florida Statutes and FLHSMV policies
• Using the assigned DHSMV Customer Number on all relevant title applications
• Working directly with the provider’s help desk to resolve discrepancies
• Adhering to the Driver’s Privacy Protection Act and section 119.0712, Florida Statutes, regarding personal information

Failure to comply can result in revocation of ELT authorization. When changing providers, all pending transactions with the previous provider must be completed, a new contract signed, and FLHSMV notified before using the new provider’s services.

Electronic Titles vs. Paper Titles for Vehicle Owners

Most Florida titles with liens are now electronic. After the final lien is satisfied, the title remains electronic until the owner requests a paper version. Owners can convert an electronic title (with no liens) to paper through the MyDMV Portal for a fee (currently $4.50 in many references; confirm current fee on the official site). Paper titles are mailed to the address on record and generally arrive within 3–4 weeks. Same-day printing is available at participating tax collector offices for a higher fee (often $10).

Owners trading a vehicle at a Florida dealership do not need a paper title if the record is electronic. For private sales or out-of-state transfers, a paper title is typically required.

Where to Find Additional Resources?

• Official Form Download: HSMV 82150 PDF
• FLHSMV Forms Library: https://www.flhsmv.gov/resources/forms/
• Electronic Liens and Titles Overview: FLHSMV ELT Page
• Authorized Service Providers: ELT Providers List
• MyDMV Portal for title requests: https://mydmvportal.flhsmv.gov/

Conclusion

Florida HSMV Form 82150 is the essential application for financial institutions and lienholders seeking to participate in or update their status in the state’s Electronic Lien and Title Program. By completing this form and partnering with an approved third-party provider, lenders gain efficient electronic management of liens and titles while meeting mandatory requirements under Florida law.