Motor vehicles; prevent perfection of security interest in when subject to statutory possessory lien.

SB 2856 prevents lenders from officially recording (perfected) car loan liens while a vehicle is under a valid statutory possessory lien, such as from a mechanic or repair shop for unpaid work. It requires lenders to either certify no such lien exists or obtain written consent from the lienholder before filing. If a lender violates this rule, their lien becomes unenforceable against the possessory lienholder and ranks below it. This bill directly affects car lenders, repair shops holding liens, and vehicle owners with multiple claims on their vehicles.