Relates to the issuance, records, and delivery of certificates of title; requires the establishment of an electronic lien and title program

This bill updates the vehicle and traffic law to modernize how car titles and liens are managed by the state commissioner. It mandates the creation of an electronic system where financial institutions can digitally record and remove liens without needing physical paper documents. The changes require lienholders to submit electronic notifications when a loan is paid off and allow the state to stop printing paper certificates until they are specifically requested. Additionally, the bill clarifies procedures for issuing duplicate titles when originals are lost or stolen and adjusts how title documents are mailed to owners versus lenders. These updates directly affect vehicle owners, banks, credit unions, and other lenders involved in car financing.