When a vehicle is originally titled in Maryland, the Certificate of Title is mailed to the owner with the lien recorded on the front. If a lien was recorded, the lien holder is mailed a Notice of Security Interest Filing (their half of the Maryland title).  Maryland actually prints two (2) "Titles" the original for the owner and the Notice of Security Interest Filing for the lien holder.​ 

There are two scenarios to consider regarding a lien release:

1. If the lien holder submitted the lien filing electronically, the lien will be electronically released.  The customer will receive a letter stating the lien was released and they are eligible for a "Gratis Duplicate Title."  The vehicle record will reflect this notification. See how to request your clear title below.​
   

2.  If the lien was not electronically filed, the MVA is not notified. When a lien is satisfied, the lienholder releases the lien and sends the necessary paperwork to the customer.  When you have paid off your vehicle lien in full, the lien holder, usually a financial institution, is obligated to send you a properly completed Maryland Notice of Security Interest Filing (SIF) for your vehicle, and/or a letter from the lien holder stating that the debt has been repaid in full. Retain the SIF and lien release along with your certificate of title until the vehicle ownership changes or you apply for a clear title. These documents together constitute a clear title. If the vehicle is then sold or otherwise transferred, the owner would provide the transferee with both documents.