reFinance or lease Buyout-How to out oF state news tell tHe diFFerence

January | 09
For your dealership’s billing clerks, title processors and office manager
Effective January 1, 2009, several states
have changed the requirements for
titling and registering vehicles. The
changes are as follows:
New Jersey: 2009 model year and
newer with a GVW rating of 8500lbs
or less must now meet California
emission requirements.
Connecticut: 2006 and older model
vehicles now require an emissions test,
and 2007 and older vehicles must now
have VIN verification. Previously, 2005
vehicles and older needed the VIN
Pennsylvania: Customers registering
and titling vehicles in PA must now
also provide a photocopy of the back
of their Pennsylvania license as well as
the front.
For additional questions regarding out
of state registration, please contact
at 718-747-0400.
Land Rover/
Jaguar Mt. Kisco
is pleased to
its newest
North Shore Honda
Curry Nissan
Curry Toyota
Curry Hyundai
Refinance or Lease Buyout-How to
Tell the Difference
Balloon financing became a popular choice for New York buyers when leasing
was not available. However, several banks refer to the balloon contracts as
leases, which can be confusing to both customers and dealers.
Here’s how to determine if you are processing a refinance deal for your
If the title is in the customer’s name who is obtaining the financing, the
contract was a retail contract and the refinance paperwork will be as
1. DO NOT have the customer sign the title over to your dealership –
doing so signifies change of ownership, and makes the vehicle eligible
for the Lemon Law Warranty. There is no need for the customer to sign
the title as he already owns the vehicle.
2. If you are merely helping the customer to finance the final payment or
payments, there is no need to stock the vehicle into your police book.
You are NOT issuing an MV50 and therefore would not be able to take
the vehicle out of the police book.
3.Attach an original MV901 and an original MV900 to the original title
for processing. You are simply replacing the lienholder, not changing the
name on the title.
4. Attach a check in the amount of $5.00 made payable to the Commissioner
of Motor Vehicles.
5.There will be no sales tax due on the vehicle as the customer paid tax
on the full amount of the vehicle at the time of original purchase. Your
dealership is not selling the vehicle, merely helping the customer to
obtain financing.
6.A title listing the current lienholder will be forwarded to the customer.
I f you have additional questions on insurance lapse or other vehicle
at 718.747.0400.
registration issues, please contact
18-10 Whitestone Expressway, Whitestone, NY 11357 • 718.747.0400
January | 09
DMV Lists Most Common Violations
In response to a request from GNYADA, the Department
of Motor Vehicles has compiled a list of the most common
violations they find at franchised new car dealerships.
Because the original list was generated based on the section
numbers cited in violation notices, understanding the list
required comments and analysis by DMV staff throughout
the state. The following list is based on their feedback:
1.Failure to submit the Certificate of Sale and ownership
document within five calendar days after delivery of the
vehicle 15 NYCRR 78.11(f )
2.Failure to properly maintain the book of registry 15
NYCRR 78.25(a)(1)
3.Failure to have possession of the required documents
necessary for registration and titling before issuing a
temporary registration 15 NYCRR 78.23(d)(2)
4.Fraud or fraudulent practice or dishonest or misleading
advertising VTL 415-9(c) (Note: This reflects a number
of different acts or practices that could rise to the level
of an alleged violation; it does not reflect a single action
or type of action that constitutes a violation.)
5.Failure to properly secure dealer demonstration plates
VTL 415-15
6.Issuing more than one Temporary Certificate of
Registration to same person for the same vehicle 15
NYCRR 78.20(d)
7.Failure to give purchaser the customer copy of MV50
15 NYCRR 78.11(a)(15)(i)
8.Falsely certifying that the motor vehicle is in condition
and repair to render, under normal use, satisfactory and
adequate service VTL 417
9.Failure to follow procedures for preparation and use
of Certificates of Sale (Form MV-50) as required 15
NYCRR 78.11
10.Failure to inspect all vehicles except motorcycles prior
to delivery for the items set forth in regulation and
ensuring that these items meet the required standards
15 NYCRR 78.13 (c)
All sections cited are either from the Vehicle and Traffic Law
or the Commissioners Regulations (Title 15 of the New
York Code of Rules and Regulations).
we’re online, too
DMV-Direct has its own section on the new GNYADA
website, It includes information
billing clerks need on a daily basis, such as:
Links to DMV forms
Hot topics (Lost Dealer Plates, etc.)
Information about DMV-Direct Services
The site also includes a Links section which has links to
the DMV offices in all 50 states!
Visiting the GNYADA site is easy—just go to www. You’ll start in our consumer side, which
features car-buying resources for consumers, information
about careers in the industry, and a showcase of the
good things dealers (and their employees) do in their
Have questions? Call
To access the dealers-only side (where DMV-Direct, Links,
and other resources are featured), you’ll need to log in.
Here’s what to do:
1. Go to
2. In the upper left corner, below the license plate,
click on Log in now.
3. O
n the Sign In page that appears, click on Register now.
4. Use the registration code gnyada.
5. Now, enter your name, email address, and information.
Choose a password that’s easy to remember.
That’s it! You’re in—please visit us often!
at (718) 747-0400.
Certificate of Sales certificates (MV-50s) containing minor
alterations may be accepted by the DMV. However,
certificates with alterations occurring in the following areas
will NOT be accepted:
If you have any questions regarding the acceptance of
an altered MV-50, please contact
It’s quick and easy. Just follow these steps:
Complete the application for duplicate
Certificate of Title (MV902).
If you are requesting that the duplicate
title be sent to your dealership, you must
complete the Dealer Authorization.
Provide proof of ID/Corporation.
Fax the above documents to 718.747.1237.
test your knowledge
Think you know your motor vehicle
rules? Answer the following true or false
questions and test your knowledge.
1. A vehicle registered as “courtesy delivery” does
not have to be entered into your police book.
All Terrain Vehicle. . . . . . . . ATV
Sedan. . . . . . . . . . . . . . . . . SEDN
Boat Trailer . . . . . . . . . . . . . BOAT
Semi-Trailer. . . . . . . . . . . SEMI
Bus (Omnibus). . . . . . . . . . . . BUS
Snow Plow . . . . . . . . . . SN/P/1
Convertible . . . . . . . . . . . . CONV
Stake Truck . . . . . . . . . . STAK
Custom. . . . . . . . . . . . . . . . . . CUST
Suburban. . . . . . . . . . . . SUBN
Delivery Truck. . . . . . . . . . DELV
Tank Truck. . . . . . . . . . . TANK
Dump Truck. . . . . . . . . . . DUMP
Taxi. . . . . . . . . . . . . . . . . . . . TAXI
Fire Truck. . . . . . . . . . . . . . . . FIRE
Tow Truck. . . . . . . . . . . . . . OW
Flat Bed Truck. . . . . . . . . . FLAT
Tractor . . . . . . . . . . . . . . . TRAC
Hearse. . . . . . . . . . . . . . . . . . . HRSE
Trailer. . . . . . . . . . . . . . . . TRLR
Limousine (Omnibus). . . . LIM
Utility . . . . . . . . . . . . . . . . . UTIL
Moped. . . . . . . . . . . . . . . . . MOPD
Van Truck. . . . . . . . . . . . . . VAN
Motorcycle. . . . . . . . . . . . . . . MCY
Two Door Sedan. . . . . 2DSD
Pickup Truck . . . . . . . . . . . . PICK
Four Door Sedan . . . . 4DSD
Refrigerator Trailer. . . . . REFG
2. Upon receipt of a license plate order, you
should immediately open all boxes and review
the plates for accuracy.
3. State Interim Driver License is acceptable for
2 points of I.D. and proof of date of birth.
4. Hybrid vehicles are considered “exempt” from
California Emissions requirements.
5. Crew cab or King cab pickup trucks may be
registered as passenger vehicles regardless of
the shipping (unladen) weight.
6. When calculating registration fees dealership
personnel should be sure to collect the $5 lien
fee from the customer.
7. The $2.50 tire fee is subject to sales tax.
How’d you do?
Answers can be found page 4.
unincorporated organizations
Registering a vehicle to a corporation is
nothing new. But have you ever come across
a registration involving an unincorporated
organization? Examples of unincorporated
organizations are labor unions, lodges,
social clubs, churches, political parties,
limited liability companies and some large
trade and professional associations. Use the
following chart to secure the proper proof
to register a vehicle for an unincorporated
Large Organizations
Federal Tax Return
Copy of bylaws
Copy of organization’s charter
Smaller Organizations
Federal ID Number
Sales Tax Exempt Certificate (St-119.1)
Sales Tax Certificate of Authority
Doing Business As (DBA) filing receipt
issued by the County Clerk
Partnership filing receipt issued by
County Clerk
Limited Liability Company’s or
Partnership’s filing receipt from the
Department of State (DOS 1025)
Any current NYS registration or title in
the organization’s name
Answers to Quiz on page 3.
1. F alse – courtesy deliveries should be
entered into your police books and
marked “courtesy delivery”.
2. F alse – the number of boxes received and
the plate numbers listed on the outside of
the box should be checked immediately.
Plate boxes should only be opened one at
a time. Once opened, all plates in that box
should be checked for error PRIOR to
using any plates from that particular box.
3. F alse – A New York State Interim
Driver License is good for 2 points of
identification but is NOT valid proof of
date of birth.
4. F alse – hybrid vehicles must still meet
California emissions requirements.
5. F alse – Crew cab or King cab pickup
trucks must be under 5500 lbs or have the
necessary modifications to be eligible for
passenger plates.
6. False – the lienholder is required to pay
the $5.00 lien fee, not the customer.
7. False – the tire fee is not taxable.
How to be a High Achiever
Each year, we honor our top billers for their accuracy.
Four times per year, we calculate each dealership’s
paperwork reduction rate. Those billers who have
an error rate of 5% or less make the quarterly honor
roll, and receive recognition and a small gift from
At the end of the year, we review the lists for the billers
who are so accurate, they show up on the top billers
list all four quarters. We’d be delighted to add your
name to the 2009 5% Club list. You can do it!
THIRD quarter 2008
Quarterly High Achievers
SECOND quarter 2008
Congratulations High Achievers Club
Patti Birks
Jillian Bonura
Elizabeth Brogan
Diana Castrogiovanni
Vickie Conlon
Nicole Cooper
Dara D’Agostino
Suzanne DeSimmone
Jen Ervolino
Marilyn Feifer
Nancy Fiore
Christine Folan
Ximena Garcia
Stephanie Glaser
Christine Guvstasson
Laura Halliday
Toni Hensley
Barbara Jacobsen
Pamela Jennings
May Lin
Betty Mackey
Jean Marie
Bianca Mira
Audrey Montero
Yolanda Morcelo
Charlotte Mullen
Kathleen Peluso
Lorraine Pilozzi
Cidely Sanchez
Stephanie Sirota
Christine Varga
Ann Marie Vivona
Melissa Wetzel
Patti Birks
Jillian Bonura
Elizabeth Brogan
Joanne Ciccotto
Nicole Cooper
Dara D’Agostino
Pilar Deleon
Jessie DeLuca
Jen Ervolino
Marilyn Feifer
Nancy Fiore
Christine Folan
Lenise Frederick
Ximena Garcia
Toni Hensley
Claudia Hernandez
Helen Koch
May Lin
Betty Mackey
Jean Marie
Audrey Montero
Yolanda Morcelo
Stacey Moy
Charlotte Mullen
Lorraine Pirozzi
Chantal Ryder
Stephanie Sirota
Ann Marie Vivona
News is published by
a subsidiary of GNYADA, a not-for-profit organization representing
franchised new car dealers in the New York metropolitan area. We are located at 18-10 Whitestone Expressway, Whitestone, NY 11357