How long can a bank hold title after you pay an auto off?

I've heard that many banks will hold title for up to 30 days until checks and/or credit cards clear. Apparently, Credit Cards can be disputed up to 30-90 days, so they get nervous about taking credit cards for payment and having you come back and challenge the charge. If you pay off in cash or cashiers checks, they are supposed to release the title quickly (5 working days I think).