The term security interest (lien) refers to an agreement between the vehicle owner and the lender (lien holder), using the vehicle as collateral. 

When a secured party (lien holder) is documented on a Minnesota title, the title is mailed to the owner of the vehicle and a lien card is mailed to the lien holder. Transfer of ownership cannot be completed without the lien holder’s authorization. 

Minnesota Statute 168A.17

Minnesota Statute 168A.19

Minnesota Statute 168A. 20

​Lien: Notification of Assignment – Release or Grant of Secured Interest 

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