REDUCING DELAYS, MINIMIZING RISKS Why Dealers and Jurisdictions Choose Digital Titling By David Spencer, Vice President of National Sales, and Rob Cohen, Chief Administrative Officer and General Counsel, Vitu Vehicle titling and registration have long been one of the most overlooked aspects of automotive retail, until something goes wrong, that is. Missing titles, delayed funding, expired temp tags and growing fraud risk can quickly push this back-office function into the spotlight. The automotive industry is at a turning point in the rise of digital title and registration, and stakeholders demand innovation to keep pace with rising industry standards. With accelerating state adoption, expanding digital infrastructure and growing cross-state complexity, title and registration is core to dealership profitability, compliance and customer experience — and Vitu is leading the charge toward a truly digital title and registration ecosystem. KEY TAKEAWAYS • Digital titles significantly reduce funding delays, improve profitability and reduce fraud risk. • Vitu’s 2025 acquisitions expand nationwide digital title and registration infrastructure. • States and jurisdictions are rapidly adopting digital title and electronic lien programs. • Dealers, lenders, auctions, remarketers, government and consumers all benefit from faster, more transparent and secure title transactions. VITU’S 2025 ACQUISITIONS EXPAND DIGITAL TITLING NATIONWIDE In 2025, Vitu significantly expanded its footprint through key acquisitions: Dealertrack Registration & Titling businesses from Cox Automotive and DDI Technology from IAA Holdings LLC. These strategic moves enhanced and broadened Vitu’s flagship products, but more importantly, they pushed the needle closer to true national connectivity across dealers, lenders, remarketers and government agencies. This unprecedented growth in 2025 allows Vitu to build the digital “rails” of the automotive industry. Rails are the secure, standardized connection points that enable title and registration transactions to move digitally between stakeholders and state systems. From an operational standpoint, this infrastructure reduces processing time, which improves profitability. From a risk perspective, it replaces paper workflows with auditable digital transactions — dramatically reducing opportunities for fraud. SOLUTIONS THAT DRIVE DIGITAL TITLE AND REG ADOPTION ACROSS THE INDUSTRY Digital adoption is not spread evenly across the country. While many states operate real-time electronic title and registration systems, some are still largely paper-based. Vitu Chief Strategy Officer John Bruggeman expects this to rapidly change. “In the next three years, we estimate 15-20 states may have new Electronic Registration and Title (ERT) programs, and as many states may have new Electronic Lien and Title (ELT) programs geared toward banks,” Bruggeman said. Vitu’s dealer-centric solutions, including ERT, Accelerated Title (AT) and National Title Exchange (NTX), along with its lender partners on the Collateral Management Solutions (CMS) platform, are designed to operate throughout and within this mixed environment. Partners can complete transactions digitally where available and maintain full compliance in states that aren’t fully digitized. The result is faster funding, fewer title exceptions and improved visibility into the status of transactions — all while reducing exposure to fraud and costly documentation errors. Starting in 2013 and following national guidance, Montana MVD and Vitu began work to implement a seamless e-titling solution. The result was NTX, a system that enables e-titles for vehicles across the nation for a secure, digital title in the dealership’s name. The system was launched in 2022 and has processed over two million e-titles to date. In the process, Montana MVD and Vitu created a set of policy, procedure and workflow practices that can and have helped 28 MONTANA AUTO DEALER
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