Minn. Stat. » CHAPTER 168A. VEHICLE TITLES
Minnesota Statutes

Minn. Stat. § 168A.17 (2026)

Security Interest

✓ current as of May 2026
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Subdivision 1.Validity.

Unless excepted by section 168A.16, a security interest in a vehicle of a type for which a certificate of title is required is not valid against creditors of the owner or subsequent transferees or secured parties of the vehicle unless perfected as provided in sections 168A.01 to 168A.31.

Subd. 1a.Leases that are not sales or security interests.

Notwithstanding any other provision of sections 168A.01 to 168A.31 or other law, in the case of a lease agreement with respect to a vehicle other than a vehicle used primarily for personal, family, or household purposes, the determination whether the lease agreement constitutes a lease and does not create a conditional sale or security interest shall be governed by the stated intent of the parties set forth in the lease agreement, unless it can be shown by a preponderance of the evidence that the terms of the lease agreement cannot be reconciled with the stated intent. In no event shall the lease agreement be deemed to create a conditional sale or security interest merely because it permits or requires the amount of rental payments to be adjusted upward or downward by reference to the amount realized by the lessor upon sale or disposition of the vehicle.

Subd. 2.Perfection.

A security interest is perfected by the delivery to the department of the existing certificate of title, if any, an application for a certificate of title containing the name and address of the secured party, the date of the secured party's security agreement and the required fee. A security interest is perfected as of the time of the delivery.

Subd. 3.

MS 2000 [Repealed, 2001 c 195 art 1 s 25]

Subd. 4.Notice of perfection by dealer.

When a security interest in a vehicle sold by a dealer licensed under section 168.27 is perfected under subdivision 2, the dealer may provide a statement of perfection to the secured party on a form provided by the department. The statement must certify compliance with subdivision 2 and contain the date of delivery to the department. The information provided in the dealer's statement is considered prima facie evidence of the facts contained in it.

Notes of Decisions
Cited in 7 cases (1 in the last 5 years), 1982–2026 · leading case: First Nat'l Bank of the North v. Auto. Fin. Corp., 661 N.W.2d 668 (Minn. Ct. App. 2003).
Sort: Relevance Newest Treatment
First Nat'l Bank of the North v. Auto. Fin. Corp., 661 N.W.2d 668 (Minn. Ct. App. 2003). · cites it 6× “See Minn.Stat. § 168A.17, subd. 1 (2002) (prescribing procedures for perfecting security interest in vehicles).”
Stanton v. Mazda 2001 VIN 4F2YU08121KM57063, Plate No. GLE 228(MN), 660 N.W.2d 137 (Minn. Ct. App. 2003). · cites it 5× “The state filed a motion for reconsideration, which was denied. This appeal followed. ISSUE Did Stanton have a bona fide interest in the vehicle under Minn.”
First Nat'l Bank in Anoka v. Minnesota Util. Contracting, Inc. (In Re Minnesota Util. Contracting, Inc.), 101 B.R. 72 (Bankr. D. Minn. 1989). · cites it 2× “Minn.Stat. § 168A.17(2). This information was not furnished with the applications for certificates of title for some of the debtors’ motor vehicles titled in Minnesota.”
Ceco Corp. v. United States, 554 F. Supp. 569 (D. Minnesota 1982). · cites it 3× “The method of perfecting a security interest is set forth in Minnesota statutes § 168A.17, subdivision 2, as follows: A security interest is perfected by the delivery to the Department of the existing Certificate of Title, if any, and Application for a Certificate of Title…”
In Re Hb Logistics, LLC, 460 B.R. 291 (Bankr. N.D. Ala. 2011). “Minn.Stat. § 168A.17(a) (2008). 28 . Minn.”
Blackwell v. 2002 Kia 4 Door Stl Sedan, 670 N.W.2d 19 (Minn. Ct. App. 2003). · cites it 12× “63, subdivision 7, does not require that the interest be "perfected" pursuant to Minn. Stat. § 168A.17 (2002). [1] Id. at 140.”
Northland Capital Fin. Servs., LLC v. Toto Express LLC, Fugaso LLC, Power Burn Capital LLC, & Andrei Toncu (N.D. Ill. 2026). · cites it 2× “Minn. Stat. § 168A.17(1a). But, as with the § 336.”
— Minn. Stat. § 168A.17(1) — 1 case
Ceco Corp. v. United States, 554 F. Supp. 569 (D. Minnesota 1982). “The method of perfecting a security interest is set forth in Minnesota statutes § 168A.17, subdivision 2, as follows: A security interest is perfected by the delivery to the Department of the existing Certificate of Title, if any, and Application for a Certificate of Title…”
— Minn. Stat. § 168A.17(1a) — 1 case
Northland Capital Fin. Servs., LLC v. Toto Express LLC, Fugaso LLC, Power Burn Capital LLC, & Andrei Toncu (N.D. Ill. 2026). “Minn. Stat. § 168A.17(1a). But, as with the § 336.”
— Minn. Stat. § 168A.17(2) — 1 case
First Nat'l Bank in Anoka v. Minnesota Util. Contracting, Inc. (In Re Minnesota Util. Contracting, Inc.), 101 B.R. 72 (Bankr. D. Minn. 1989). “Minn.Stat. § 168A.17(2). This information was not furnished with the applications for certificates of title for some of the debtors’ motor vehicles titled in Minnesota.”
— Minn. Stat. § 168A.17(a) — 1 case
In Re Hb Logistics, LLC, 460 B.R. 291 (Bankr. N.D. Ala. 2011). “Minn.Stat. § 168A.17(a) (2008). 28 . Minn.”
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