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A lien holder title is held by the bank or lender, indicating the title is encumbered by them as collateral for a loan. The lien may still exist even if the loan is paid off, and the bank is not obligated to remove it unless requested. In some cases, the lien may still be on the vehicle if the borrower stopped paying their loan. The bank may issue a lien release if the loan is paid off, but records may be purged, making it difficult to verify.