Oklahoma is Now a Title-Holding State

Financial well-being July 01, 2022 By First United Bank

Effective July 1st, 2022, Oklahoma became a title-holding state for all vehicles, boats, and motors that are issued a title. We are here to help you stay informed and understand the changes on this new title-holding requirement in sunny Oklahoma!

Who will this impact?

This will impact business and consumer customers who open a new vehicle loan and those needing to make updates to an existing title.

What does this mean?

  • Titles1 processed on or after July 1st, 2022 with an active lien2 will be held by lienholder.
  • Titles processed prior to July 1st, 2022 will remain valid until a new title action occurs (transfer, request for duplicate title, etc.)
  • Oklahoma will allow lienholders to submit lien documentation electronically and hold titles electronically.

As a result of transitioning to a title holding state, a few changes have been made to the face of the title. Oklahoma title stock has a pre-printed information field and currently lists the owner’s name and address on the top left.

If a vehicle is subject to a lien, all titles issued July 1st, 2022 and later will have the following:

  • A black bar placed over the pre-printed information field
  • Mailing Address of Lienholder
  • Lien Date and Lienholder Name
  • Name and Address of Owner
Learn More

If the vehicle is not subject to a lien, the title will have the following:

  • A black bar placed over the pre-printed information field
  • Mailing Address of Owner
  • Name and Address of Owner
Learn More

How will it impact you?

No need to worry! There are no major impacts that require you to act. We’ve got you covered!

If you have any questions or concerns, you may contact our 24-hour customer care team via our website chat feature at Firstunitedbank.com or by calling (800) 924-4427. As always, the team at your local First United Bank location is available to help.


  1. All programs subject to credit approval and loan amounts are subject to creditworthiness. Some restrictions may apply. The term, amount, interest rate and repayment schedule for your loan, and any product features, including interest rate locks, may vary depending on your creditworthiness and on the type, amount and collateral for your loan.
  2. A lien on a car is a safeguard for the lender or other interested party. When you take out the financing, a lien is created, which is the lender's legal right to possession of the vehicle until the debt is repaid. Contact your local loan officer for more information.

By First United Bank