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Pennsylvania Consolidated Statutes

75 Pa. Cons. Stat. § 1132.1 (2026)

 Perfection of a security interest in a vehicle.

✓ current as of May 2026
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§ 1132.1.  Perfection of a security interest in a vehicle.

(a)  Perfection.--A security interest in a vehicle titled in this Commonwealth is perfected at the time the department receives all of the following:

(1)  A completed application specifying the lienholder's name and address. Program participants in the Address Confidentiality Program under 23 Pa.C.S. Ch. 67 (relating to domestic and sexual violence victim address confidentiality) may use a substitute address designated by the Office of Victim Advocate as their address.

(2)  An amount equal to or greater than the fee required by section 1953 (relating to security interest).

(3)  The manufacturer's statement of origin or the existing certificate of title for the vehicle.

(b)  Duty of a lienholder.--If an additional security interest in a vehicle titled in this Commonwealth is being created by the owner of the vehicle and the certificate of title is in the possession of a lienholder, the lienholder shall, at the request of the owner, deliver the certificate of title to the person perfecting the security interest in the vehicle. Upon receipt of the certificate of title, the person perfecting the security interest in the vehicle shall deliver the certificate of title to the department in accordance with subsection (a).

(c)  Work identification number.--Upon receipt of items required in subsection (a), the department shall assign or place a work identification number on each of the items. The first two numbers in the work identification number shall indicate the year in which the items were received. The next three numbers in the work identification number shall indicate the day of the year the items were received. The date indicated in the work identification number shall constitute conclusive evidence of the date of receipt and the date of perfection.

(d)  Delivery of certificate of title.--Upon perfection of a security interest in a vehicle, the department shall issue a certificate of title with the names of the first two lienholders and indicate the number of additional lienholders existing at that time. The department shall mail the certificate of title to the first lienholder named in the certificate of title.

(June 8, 2001, P.L.123, No.18, eff. July 1, 2001; Nov. 30, 2004, P.L.1474, No.188, eff. 180 days)

 

2004 Amendment.  Act 188 amended subsec. (a).

2001 Amendment.  Act 18 added section 1132.1.

Notes of Decisions
Cited in 3 cases, 2005–2016 · leading case: World Bus. Lenders, LLC v. Barry (In re Barry), 559 B.R. 654 (Bankr. M.D. Penn. 2016).
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World Bus. Lenders, LLC v. Barry (In re Barry), 559 B.R. 654 (Bankr. M.D. Penn. 2016). · cites it 2× “75 Pa.C.S. § 1132.1(a); In re Woods, 2011 WL 4807932 , at *6 n.”
Mfrs. & Traders Trust v. Wyoming Sand & Stone, 223 F. App'x 146 (3rd Cir. 2007). “75 Pa.C.S. § 1132.1(d). Travelers contends that if the lienholder releases the lien from the certificate of title, the lien is released.”
Commonwealth v. One (1) 2001 BMW VIN NO. WBAFA53571LM72902, 868 A.2d 42 (Pa. Commw. Ct. 2005). “Specifically, 75 Pa.C.S. § 1132.1 provides: (a) Perfection.”
— 75 Pa. Cons. Stat. § 1132.1(a) — 1 case
World Bus. Lenders, LLC v. Barry (In re Barry), 559 B.R. 654 (Bankr. M.D. Penn. 2016). “75 Pa.C.S. § 1132.1(a); In re Woods, 2011 WL 4807932 , at *6 n.”
— 75 Pa. Cons. Stat. § 1132.1(d) — 2 cases
World Bus. Lenders, LLC v. Barry (In re Barry), 559 B.R. 654 (Bankr. M.D. Penn. 2016). “75 Pa.C.S. § 1132.1(a); In re Woods, 2011 WL 4807932 , at *6 n.”
Mfrs. & Traders Trust v. Wyoming Sand & Stone, 223 F. App'x 146 (3rd Cir. 2007). “75 Pa.C.S. § 1132.1(d). Travelers contends that if the lienholder releases the lien from the certificate of title, the lien is released.”
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