I believe that an ATV is titled and a lien by the bank should be put on the title to perfect. A snowmobile is not titled so I believe a UCC filing would perfect the lien. And, finally, a jet ski is registered with the DNR and there is a place for lienholder information on the watercraft registration form so the Registration would be held by the Bank to perfect the lien, just like a boat. Can anyone let me know if this is correct information?