My question involves a banking matter in the State of: California. What is the law regarding Banks, Credit Unions and car registrations once the the loan has been paid in full? Our first loan was paid off 5/31/11, the second paid 6/4/11 for a total of over $14,000. We bank and borrow from the same credit union so there was no delay in transfer of funds. Are they required to mail the registration's to us as they have the past two times? Must we formally request them? Is there a time limit? Are they being held hostage? We are having trouble with our upside down mortgage and working with them to resolve, but am otherwise completely debt free.