The Move to Digital Communication

Consumers have been embracing the rapid move to digital communication, and have increasingly demonstrated a preference for conducting financial transactions online, including receiving bank statements and other information in real time. In addition, federal legislation designed to reduce the use paper has increasingly driven agencies toward paperless processes. Yet, despite these trends, , many institutions have been slow to offer a fully digital experience for their customers and constituents. Yet, the advantages of electronic communication of banking information allow access to more timely and accurate information, record retention options, and reduction of fraud and identity theft.

Download The Move to Digital Communication: Report on Consumer Benefits of Electronic Records in Adobe PDF.

ESRA Position on eTitling for Vehicles

The titling, lien processing, registering, transferring, remarketing, and disposing of publicly registered vehicles should be electronically enabled. ESRA supports the adoption of interstate and intrastate electronic processes for automating public document processing and transactions, or e-Titling.

Specifically, ESRA supports and encourages:

  • The removal of governmental barriers to e-Titling.
  • The use of electronic technologies and methodologies to promote document processing, authentication, e-signatures, e-notarization, secure transactions, storage, retention and data transfer.
  • The adoption of electronic signatures and records for certifications under the federal Truth in Mileage Act.
  • The adoption of best practices for state initiatives on e-Titling, to enhance scalability and interoperability of these processes between states.
  • The use of electronic authentication methodologies (such as, without limitation, two factor authentication) to ensure the integrity of the process and avoid fraudulent or unauthorized vehicle transactions.
  • Technology-neutral standards that advance, enable, or support document integrity, data security, and the adoption and interoperability of private and government systems.
    ESRA opposes laws or rules that impose higher barriers to e-Title transactions compared to paper title transactions.

Read ESRA’s entire Public Policy Statement on e-Titling for Vehicles here. ESRA eTitling Public Policy Statement