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Business & Finance >> Business Word Abbreviations

Look through 2927 acronyms and abbreviations related to Business Word:

SOX — Sarbanes-Oxley
S.M.A.R.T — Specific, Measureable, Attainable, Realistic, Timely
AAO — Affirmative Action Officer
CPOE — Computerized Physician Order Entry
BCWS — budgeted cost for work scheduled
TTL — Total
MNC — Multinational Corporation
RMA — Return Merchandise Authorization
DEPR. — Depreciation
UM — Uninsured Motorist
FGM — Female Genital Mutilation
HCE — Highly Compensated Employee
LAN — Local Area Network
URL — Universal Resource Locator
ACR — Accrual
OSS — Open Source Software
UNLTD — Unlimited
B/E — Breakeven
M-O-M — Month over month
BCWP — Budgeted Cost for Work Performed
RAROC — Risk-Adjusted Return On Capital
CORELAP — Computerised Relationship Layout Planning
GPROI — Gross Profit Return on Investment
YTD — Year To Date
ETA — Estimated Time of Arrival
CP — Contingency Plan
BGT — Budget
O/S — Outstanding
P.L. — Public Law
ARPANET — Advanced Research Projects Agency Network (early internet)
B-TO-C — Business to consumer
GLB — Gramm-Leach-Bliley Act
IGO — Intergovernmental Organization
XML — Extensible Markup Language
BBS — Bulletin Board Service
P.O.C. — Paid outside of closing
OPT — Other People's Time
ANSI — American National Standards Institute, Inc.
CAGR — Compound Annual Growth Rate
DOB — Date Of Birth
PLS — Please
THX — Thanks
FTP — File Transfer Protocol
ROM — Read-Only Memory
FLSA — Fair Labor Standards Act
DDB — Double-Declining-Balance
RFID — Radio Frequency Identification
APR — Annual Percentage Rate
GEICO — Government Employees Insurance Company
A.O.B. — Any other business

S&OP — Sales and Operations Planning
IT — Information Technology
O*NET — Occupational Information Network
BFOQ — Bona Fide Occupational Qualification
W/O — Without
FMLA — Family Medical Leave Act
MBTI — Myers-Briggs Type Indicator
EPA — Environmental Protection Agency (US)
BCA — Business Continuity Plan
CSR — Customer Service Representative
COB — close of business (End of duty day)
5S — Seiri, Seiton, Seiso, Seiketsu, Shitsuke
FOMC — Federal Open Market Committee
ROM — Range Of Motion
B-TO-B — Business-To-Business
U&C — Usual and customary
IP — Internet Protocol
HIPPA — Health Insurance Portability and Accountability Act
C-CPI-U — Chained Consumer Price Index for All Urban Consumers
ATM — Automatic Teller Machine
U.S.C. — United States Code
IRC — Internet Relay Chat
F/B/O — For benefit of
FIFO — First In, First Out
FTE — Full Time Equivalent
LIFO — Last In, First Out
JC PENNEY'S — James Cash Penney
PDF — Portable Document Format (created by Adobe Acrobat)
UNICEF — United Nations International Children's Emergency Fund
E.O. — Executive Order
CADR — Cash available for distribution before debt reduction
ACC — Accounting Classification Code
QC — Quality Control
R&D — Research & Development
UNESCO — United Nations Educational, Scientific and Cultural Organization
MOU — Memorandum of Understanding (an MOU between Food & Drug Administratin and a regulatory agency in another country allows mutual recognition of inspections)
ANOVA — Analysis of Variance (statistics)
FAQ — Frequently Asked Questions (sometimes Pronounced Fak)
PPE — Personal Protective Equipment
SSN — Social Security Number
MTBF — Mean Time Before Failure
FANNIE MAE — Federal National Mortgage Association (a privately owned corporation)
M/M — Month-over-month
LY — Last Year
RFP — Request For Proposal
ASCII — American National Standard Code for Information Interchange
RCNLD — Replacement Cost New Less Depreciation
P&L — Profit and Loss statement
ATF — As Trustee for
ARO — After Receipt of Order

WHO — World Health Organization
W-A — Weighted average
TQM — Total Quality Management
ISP — Internet Service Provider
CMO — Collateralized Mortgage Obligation
A/OPC — Agency/Organization Program Coordinator
KPMG — Klynveld Peat Marwick Goerdeler
FEMA — Federal Emergency Management Agency
P&Z — Planning & Zoning
QDRO — Qualified Domestic Relations Order
NFI — Net Financial Income
KPI — Key Performance Indicator
EDI — Electronic Data Interchange
RNFA — Return On Net Financial Assets
AFDC — Aid to Families with Dependent Children
CBC — Complete Blood Count
CY — Calendar Year
NOC — Net Operating Capital
UBTI — Unrelated Business Taxable Income
M.O.M. — Middle of the month
QSC — Quality, Service, Cleanliness (Ray Kroc's motto for McDonald's)
IPCC — Intergovernmental Panel on Climate Change (WMO and UNEP)
CRFB — Committe for Responsible Federal Budget
LLC — Limited Liability Company
E&IT — Electronic and Information Technology
FAC-P/PM — Federal Acquisition Certification Program/Project Management
C.L.U.E. — Comprehensive Loss Underwriting Exchange
CAO — Chief Accounting Officer
A&MMS — Acquisition and Materiél Management Service
SD — Standard Deviation
POD — Proof Of Delivery
FISMA — Federal Information Security Management Act
C.&F. — Cost and freight
AAA — American Automobile Association
U.S. DOL — United States Department of Labor
NPV — Net Present Value {economics}
CEO — Chief Executive Officer
GDP — Gross Domestic Product
MPC — Marginal Propensity to Consume
CBPP — Center on Budget and Policy Priorities
O&M — Operation and Maintenance
PO — Purchase Order
EU — European Union (1994; formerly referred to as the EEC or EC)
TBD — To Be Determined
CBD — Cash Before Delivery
GM — Gross Margin
OECD — Organization for Economic Cooperation and Development
OJT — On the Job Training
AA — Affirmative Action
ACCT — Account

C-CPI — Chained Consumer Price Index
AMD — Advanced Micro Devices, Inc. (producer of computer chips)
EAP — Employee Assistance Program
GIS — Geographic Information System
CD — Certificate of Deposit
SALY — Same As Last Year
VPN — Virtual Private Network (ATM)
GSM — Global System for Mobile Communications
A&MM — Acquisition and Materiél Management
ATTN — Attention
U.S. DOJ — United States Department of Justice
CCB — Change Control Board
EST — Eastern Standard Time
J/E — Journal entry
IM/IT — Information Management/Information Technology
ABC — activity based costing
MSDS — Material Safety Data Sheets
ETA — Department of Labor's Employment and Training Administration
OTC — Over The Counter (medications not requiring a prescription)
SMTP — Simple Mail Transfer Protocol
DRIP — Dividend Reinvestment Plan
GPS — Global Positioning System (ex-NAVSTAR)
OA&L — Office of Acquisition and Logistics
ASME — American Society of Mechanical Engineers
FY — Fiscal Year
IRR — Internal Rate of Return
FF&E — Furniture, Fixtures & Equipment
WACC — Weighted Average Cost Of Capital (accounting)
POA — Power Of Attorney
AAA-CPA — American Association of Attorney-Certified Public Accountants
I-TIPS — Information Technology Investment Portfolio System
LOI — Letter Of Intent
SPV — Special Purpose Vehicle (sometimes Single Purpose Vehicle)
FDIC — Federal Deposit Insurance Corporation
BMW — Bayerische Motoren Werke (Bavarian Motor Works)
QA — Center for Quality Assurance in International Education
EEO — Equal Employment Opportunity
DOD — United States Department of Defense
DIH — Days Inventory Held
IPO — Initial Public Offering
M.ED — Masters in Education
AUP — Acceptable Use Policy
EGTRRA — The Economic Growth and Tax Relief Reconciliation Act of 2001
JIT — Just in time
GATB — General Aptitude Test Battery
APPROX — Approximate
IBM — International Business Machines Corporation
MIS — Management Information System (OSHA)
COD — Cash On Delivery
OI — Operating Income

PDA — Personal Digital Assistant
SRAM — Static Random Access Memory (ess-ram)
OT — Overtime
C&F — Cost and Freight
NFE — Net Financial Expense
USDA — United States Department of Agriculture
CPI — Consumer Price Index
CV — Curriculum Vitae
AWOL — Absent Without Leave
SLA — Service Level Agreement
EOD — End Of Day
ADP — Automated Data Processing
PGP — Pretty Good Privacy (encryption)
ACH — Automated Clearing House
GP — Gross Profit
WAASE — Division for Western Asia, Arab States and Europe
IBAN — International Bank Account Number
CIP — Carriage and Insurance Paid to
WRLDWD — Worldwide
CRM — Customer Relationship Management
RFQ — Request For Quotation
BOV — Broker’s Opinion of Value
BSA — Bank Secrecy Act
RAM — random-access memory
QCEW — Quarterly Census of Employment and Wages
BOS — Behavior Observation Scale
POS — Point Of Sale.Retail term, being the physical point at which products are displayed on shelves or paid for at the checkout, as in the EPOS acronym.
S&U — Sales and use
EOQ — economic order quantity
COBRA — Consolidated Omnibus Budget Reconciliation Act of 1985
VAGFE — VA-owned Government Furnished Equipment
RFI — Request For Information. Sales department shorthand. Special priority when use in conjunction with RFN (see below).
NAFEP — National Association of Financial and Estate Planning
FDA — Food Drug Administration
AP — Accounts Payable
EXCOM — Executive Committee
LLP — Limited Liability Partnership
YUPPIE — Young Urban Professional
IDIQ — Indefinite Delivery, Indefinite Quantity
AMA — American Medical Association
TSR — Total Shareholder Return
NAFTA-TAA — NAFTA Transitional Adjustment Assistance
DBA — Doing Business As
SAAS — Software as a Service
INC — Intergovernmental Negotiating Committee
DKNY — Donna Karan New York
EBITA — Earnings before interest taxes depreciation amortization
DRAM — Dynamic Random Access Memory (dee-ram) (computing)
CAE — Computer-Aided Engineering
CAPEX — Capital Expenditure

MTF — Medical Treatment Facility
DOT — Department of Transport
SOHO — Small Office/Home Office. Acronym expression for the 'virtual office' environment and characteristics found in self-employed and small businesses, that are increasingly prevalent in the modern business age.
NDA — Non-Disclosure Agreement
ADL — activity of daily living
ISDN — Integrated Services Digital Network
CBO — Congressional Budget Office
LC — Letter of Credit
ADB — Asian Development Bank
NGO — Non-governmental organization. (Red Cross/Crescent, Doctors without Borders, etc.)
CPO — Cost Per Order
AAR — Average Annual Return
ARM — Adjustable Rate Mortgage
IACSD — Inter-Agency Committee on Sustainable Development
DVP — Delivery Versus Payment
BLS — Bureau of Labor Statistics of the United States Department of Labor
ADR — Alternative Dispute Resolution
BPML — Business Process Modeling Language
BFP — Bona Fide Purchaser
CIO — Chief Information Officer
UTD — Under Trust Dated
IRA — Individual Retirement Account
ITEP — Institute on Taxation and Economic Policy
JV — Joint Venture
AARP — American Association of Retired Persons
G2C — Government to Consumer
PC — Personal computer (host)
IETF — Internet Engineering Task Force
EE — Employee
CDO — Collateralized Debt Obligation
DES — Data Encryption Standard
CFR — Code of Federal Regulations
IVR — Interactive Voice Response (telephone technology)
ADR — American Depositary Receipt
RFC — Request For Comment
COO — Chief Operation Officer
ERP — Emergency Response Plan
AFL-CIO — American Federation of Labor and Congress of Industrial Organizations
PAQ — Position Analysis Questionnaire
PIP — Performance Improvement Plan
RICO — Racketeer Influenced and Corrupt Organizations Act of 1970
CBT — Computer Based Training
CBA — Cost Benefit Analysis
GATT — General Agreement on Tariffs and Trade (government)
DCP — Defined Contribution Plan
POP — Point Of Presence (Internet)
NOPAT — Net Operating Profit After Tax
ARB — Architecture Review Board
HMO — Health Maintenance Organization
ASP — Active Server Page

RPI — Retail Price Index
HVAC — Heating, Ventilation, and Air Conditioning
LTV — Loan To Value
FR — Federal Register
CMS — Content Management System
QOS — Quality of Service
LTCM — Long-Term Capital Management
HIPC — Heavily Indebted Poor Countries
DOE — United States Department of Energy (government)
AUM — Assets Under Management
ASP — Application Service Provider
CE&O — Customer education and outreach
GL — General Ledger
CMT — Constant Maturity Treasury
CPM — Critical Path Method
FIT — Financial institutions tax
FAS — Free Alongside Ship
PC — Politically Correct
OMB — Office of Management and Budget (U.S.)
UPS — United Parcel Service, Inc.
ADA — Americans With Disabilities Act Of 1990 (Text Of ADA Legislation)
C2C — Consumer To Consumer. Marketing/trading model by which ordinary people sell and provide products/services to each other. It's an ancient model, prehistoric in fact, virtually extinguished by the industrial revolution and corporate age, (see B2B/B2C), alth
QTY — Quantity
MTD — Month-to-date
NFO — Net Financial Obligations
NRI — Net Revenue Interest
STD — Standard
FLRA — Federal Labor Relations Authority's
WML — Wireless Markup Language
ITU — International Telecommunication Union
IMF — International Monetary Fund
GNP — gross national product (economics)
ROE — Return On Equity
ROI — Return on Investment
FAA — Federal Aviation Administration
FINRA — Financial Industry Regulatory Authority
AGI — Adjusted Gross Income
MDGD — Management Development and Governance Division
PNG — Portable Network Graphics (graphic file standard/extension)
UCC — Uniform Commercial Code
AON — Angolan New Kwanza
LOB — Line Of Business
SG&A — Selling, general, and administrative expenses
SAN — Storage Area Network
FAR — Federal Acquisition Regulation
PPO — Preferred provider organization
CPC — Cost Per Click-through
IRS — U.S. Internal Revenue Service
MSRP — Manufacturer's Suggested Retail Price
ICAO — International Civil Aviation Organization

WIP — Work in Process
NOA — Net Operating Assets
CDC — Center for Disease Control and Prevention
PNP — Plug aNd Play
EEOC — Equal Employment Opportunity Commission
AER — Annual Equivalent Rate
CIM — Computer Integrated Manufacturing
SKU — Stock Keeping Unit
DFA — Department of Finance and Administration
EOY — End-Of-Year
ABM — Activity Based Management
NYSE — New York Stock Exchange
SLIP — Serial Line Interface Protocol
EO — Executive Order
CFO — Communication Filing Officer
CFROI — Cash Flow Return on Investment
IPS — Investment Policy Statement
DNS — Domain Name System
PV — Present Value
FICCO — Fair Issac Credit Organization
SDR — Special Drawing Rights
REIT — Real Estate Investment Trust
ADR — American Depository Receipt
YTM — Yield to Maturity
NATO — North Atlantic Treaty Organisation
ICFR — Internal Control Over Financial Reporting
ROIC — Return on Invested Capital
RTO — Reverse Take-Over
AMEX — American Stock Exchange
AD — Advertisement
PRI — Primary Rate Interface (ISDN)
HROD — Human Resources and Organizational Development
RONA — Return On Net Assets
CTR — Currency Transaction Report
ADP — Actual Deferral Percentage
APT — Arbitrage Pricing Theory
VC — Venture Capital
CTS — Carpal Tunnel Syndrome
Y/Y — Year-over-year
3M — Minnesota Mining And Manufacturing Company
DUSHOM — Deputy Under Secretary for Health for Operations and Management
CPA — Certified Public Accountant
TIN — Taxpayer Identification Number
CMA — Comparative Market Analysis
PD — Position Description
ITIN — Individual Taxpayer Identification Number
REO — Real Estate Owned
B/L — Bill of Lading
P&G — Proctor and Gamble
AED — United Arab Emirates Dirham

CRS — Congressional Research Service
FOIA — Freedom of Information Act
EFT — Electronic Funds Transfer
ALM — Asset Liability Management
IFRIC — International Financial Reporting Interpretations Committee
ANCOM — Andean Common Market
SQA — Software Quality Assurance
NIH — NATIONAL INSTITUTE OF HEALTH
RAM — Reverse Annuity Mortgage
BI — Business Intelligence
DJIA — Dow Jones Industrial Average
F/K/A — Formally known as
COLA — Cost of Living Adjustment (or Allowance)
DOJ — Department of Justice (US)
PDM — Product Data Management
CFM — Construction Facility Management
LMRA — Labor Management Relations Act
POP — Point Of Purchase
ARC — American Red Cross
PE — Private Equity
NAB — Non-accrual basis
CP — Commercial Paper
ROR — Return on Revenue
BOD — Board of Directors (Budget)
IP — Intellectual Property
ABO — Accumulated Benefit Obligation
IATA — International Air Transport Association
EMA — Exponential Moving Average
UI — User Interface
CRO — Chief Risk Officer
FAO — Food and Agriculture Organization of the United Nations
EDWOSB — Economically disadvantaged woman-owned business
FOB — Free On Board
AMT — Amount for Married Taxpayers
SIC — Standard Industrial Classification (Code)
ALDEP — Automated Layout Design Programs
DC — Defined Contribution
RIF — Reduction In Force
HQ — Headquarters (HDQ Preferred)
GSA — U.S. General Services Administration
BOMA — Building Owners and Managers Association
ACRS — Accelerated Cost Recovery System (finance)
LOC — Line Of Credit
ABS — Automated Bond System
IMAP — Internet Message Access Protocol
HR — HUMAN RESOURCES
A&W — Allen & Wright (Roy Allen and Frank Wright combined their initials to name A&W Root Beer in 1922)
ETR — Effective Tax Rate
DPKO — Department of Peacekeeping Operations
GRUT — Grantor Retained Unitrust

IOC — Intergovernmental Oceanographic Commission
P2P — Peer to Peer (as in music file sharing systems like KaZaA)
APY — Annual Percentage Yield
GMP — Good Manufacturing Practice
SCM — Supply Chain Management
AE — Account Executive
EPS — Earnings per share
UNDMT — United Nations Disaster Management Team
CFA — Chartered Financial Analyst
PFD — Preferred
PM — Performance Management
DSO — Day Sales Outstanding
BHAG — Big Hairy Audacious Goal
POE — Point of Entry
ROCE — Return On Capital Employed
C&B — Compensation and Benefits
NTIS — National Technical Information Service Technology Administration
DCF — discounted cash flow rate
GRAT — Grantor Retained Annuity Trust
HAZMAT — Hazardous Material
ROG — Receipt Of Goods
PFA — Prevention of Food Adulteration Act
D/O — Delivery Order
IMO — International Maritime Organization
CF — Cash Flow
ARNP — Advanced Registered Nurse Practitioner
LWDI — Lost Work Day Injury Rate
IAEA — International Atomic Energy Agency
HR&A — Human Resources and Administration
IBRD — International Bank For Reconstruction And Development (part Of The World Bank)
NNN — Triple Net (Lease)
GOI — Gross Operating Income
FCC — Federal Communications Commission (US)
CTO — Chief Technology Officer
A&H — Accident and health insurance
BOL — Bill Of Lading
TDC — Total Direct Compensation
AM — Asset Management
G2G — Government to Government
AFDA — Allowance for Doubtful Accounts
MSA — Metropolitan Statistical Area
AT&T — American Telephone and Telegraph (U.S. company, also known as "Ma Bell")
PMI — Private Mortgage Insurance
ICE — Intrusion Countermeasures Electronics
CBIT — Comprehensive Business Income Tax
AAA — authentication, authorization, and accounting
CISO — Chief Information Security Officer
BD — Business Development
UN — United Narions
DMAIC — Define, Measure, Analyze, Improve, Control

IRC — Internal Revenue Code of 1986
NSC — National Security Council
RSF — rentable square feet
ESP — Exchange Stock Portfolio
UNEP — United Nations Environment Program
GA — General Assembly
STSFCTN — Satisfaction
EIN — Employer Identification Number
GRM — Gross Rent Multiplier
COGS — Cost of Goods Sold
AD&D — Accidental Death and Dismemberment
MBA — Mortgage Bankers Association of America
CUM PFD — Cumulative preferred
COOP — Continuity of Operations
POCS — Points of Contact
JOA — joint operating agreement
NOI — Net Operating Income
CASB — Cost Accounting Standards Board
AGR — Adjusted Gross Revenue
DOL — United States Department of Labor
OTCEI — Over the Counter Exchange of India (stock exchange)
FUBU — For Us By Us
DBA — Data Base Administrator
OPM — Office of Personnel Management
ERISA — Employee Retirement Income Security Act
JD — Job Description
SEPG — Software Engineering Process Group
NAM — National Association of Manufacturers
OTB — Open To Buy
DMA — Designated Market Area
NFA — Net Financial Assets
MSA — Medical Savings Account
PERT — Program Evaluation and Review Technique
B2B — Business to Businesse
BAFO — Best and Final Offer
PM — Program Manager
PC — Percent
SRM — Supplier Relationship Management
WC — Worker's Compensation
DRP — distribution requirements planning
NIBCL — Non-interest bearing current liabilities
BEA — Bureau of Economic Analysis
MIGA — Multilateral Investment Guarantee Agency
LMI — Labor Market Information
BCR — Benefit/Cost Ratio
CPM — Certified Property Manager
DAC — Delivery Against Cost
CASE — computer-automated software engineering
FICA — Federal Insurance Contribution Act
CMM — Capability Maturity Model

KSOP — 401(k) Employee Stock Option Plan
FTA — Free-Trade Agreement
CR — Continuing Resolution
TCO — Total Cost of Ownership
TER — Total Expense Ratio
BRI — Basic Rate Interface
Q — Quarter
DPP — Direct Participation Program
IDIT — Intentionally defective irrevocable trust
EV — Enterprise Value
EVA — Economic Value Added
WWW — World Weather Watch
CIMA — Chartered Institute of Management Accountants
ACWP — actual cost for work performed
AICPA — L'American Institute of Certified Public Accountants
MIRR — Modified Internal Rate of Return
DCR — Debt Coverage Ratio
AQL — Acceptable Quality Level
IANA — Internet Assigned Numbers Authority
AIG — American International Group, Inc
SGLI — Servicemember Group Life Insurance
ETF — Exchange Traded Fund
PM — Project Manager
HR — Headquarters Report
RISC — Reduced Instruction Set Computer
OASDI — Old Age Survivors Disability Insurance
SOHO — Small Office Home Office
LOA — Leave Of Absence
GSF — Gross Square Feet
CTO — Compensatory Time Off
MAD — Mean Absolute Deviation
RMP — Risk Management Plan
GAO — Government Accountability Office [formerly the General Accounting Office]
PSA — Public Service Announcement (radio/TV Term)
DCA — Dollar Cost Averaging
OPR — Other People's Resources
BOE — Bank of England
OSHA — Occupational Safety and Health Act (1970)
TM — Trademark
FOREX — Foreign Exchange
CPM — Corporate Performance Management
EP — Earned Premium
IM — Information Management
PPI — Producer Price Index
GRP — Gross Rating Point
BLM — Bureau of Land Management of United States Department of the Interior
RR — retention rate
SAR — Suspicious Activity Report(ing)
LFPR — labor force participation rate
AMF — American Machine & Foundry (bowling lane operators and former owners of Harley Davidson motorcycles)

LWP — Leave With Pay
MVIC — Market Value of Invested Capital
SAR — Stock Appreciation Right
FINCEN — Financial Crimes Enforcement Network
ROTA — Return On Total Assets
ABP — Average Benefit Percentage
EBT — Earnings Before Tax
RO — Regional Office
OA — Operating Assets
NPW — Net Present Worth
CV — Cost Variance
GIF — Graphic Interchange Format
BPA — Blanket Purchase Agreement
BIS — Bank of International Settlements
NAV — Net Asset Value
EOE — Equal Opportunity Employer
AMA — American Management Association
STP — Software Test Plan
ACO — Administrative Contracting Officer
BIW — Biweekly
RTF — Rich Text Format
NT — Near-Term
ROGFA — Return on Gross Fixed Assets
UNRWA — United Nations Relief and Works Agency for Palestine Refugees in the Near East
JD — Juris Doctorate
CCAQ — Consultative Committee on Administrative Questions
JGTRRA — Jobs and Growth Tax Relief Reconciliation Act
SAM — Shared-Appreciation Mortgage
CPR — Cardio-Pulmonary Resuscitation
STR — Software Test Report
UIM — Underinsured Motorist
FCRA — Fair Credit Reporting Act
EIS — Environmental Impact Statement (US)
RAID — Redundant Array of Inexpensive Disks
AOV — Average Order Value
SSA — Social Security Administration
CMO — Chief Marketing Officer
BS — Balance Sheet
CROGI — Cash Return on Gross Investment
GRIT — Grantor Retained Income Trust
CPM — Continuous Passive Motion
SM — Service Mark
DBMS — Data Base Management System
FTC — Federal Trade Commission (U.S.)
SSI — Supplemental Security Income
SBU — Strategic Business Units
COS — Chief of Staff
OAS — Option Adjusted Spread
4P — Price, Product, Place and Promotion
GMWB — Guaranteed Minimum Withdrawal Benefit

TTM — Trailing Twelve Months
ESOP — Employee Stock Ownership Plan
ABA — American Bankers Association
MSN — Microsoft Network
BOO — Build Own Operate
GPO — Government Printing Office
T&C — Terms & Conditions
HUD — Department of Housing and Urban Development (U.S.)
KSAO — Knowledge, Skills, Abilities and Other
WC — Working Capital
MLS — Multiple Listing Service
ROS — Return on Sales
APV — Adjusted Present Value
ROW — Right-Of-Way
PVGO — Present Value of Growth Opportunities
JPEG — Joint Photographic Experts Group (24-bit image storage format)
AJE — Adjusting Journal Entry
WMO — World Meteorological Organization (ICSU)
ERV — Estimated Rental Value
S&P — Standard & Poor's
ATO — Asset Turnover
MSA — Merit Salary Adjustment
FSA — Flexible Spending Account
SEO — Search Engine Optimizer
ADB — African Development Bank
ADP — Average Deferral Percent
ZIP — Zone Improvement Plan
CRT — Charitable Remainder Trust
PD — Paid
IFRS — International Financial Reporting Standard
NI — Net Income
OJT — On-The-Job-Training
TIL — Truth in Lending
TCN — Third Country National
AGC — Associated General Contractors of America
WHOL. — Wholesale
BOOT — Build Own Operate Transfer
CIP — Capital Investment Proposal
LTD — Limited
SC — Security Council
CUSFTA — Canada-US Free Trade Agreement
L/C — Letter of Credit
DUSH — Deputy Under Secretary for Health
FPL — Federal Poverty Level
BBB — Better Business Bureau's
POC — Proof of Claim
VA — Veterans Administration
SUA — Convention for the Suppression of Unlawful Acts Against the Safety of Maritime Navigation
SEM — Search Engine Marketing
PW — present worth

ODA — Official Development Assistance
CAPM — Capital Asset Pricing Model
CC — Civil Code
ATOI — After Tax Operating Income
IFB — Invitation For Bid
TIPS — Treasury Inflation-Protected Securities
FASAB — Federal Accounting Standards Advisory Board
SEC — Securities and Exchange Commission (US)
LOS — Length of Stay
COTR — Contracting Officer Technical Representative
CGT — Capital Gains Tax
SMT — Senior Management Team
DI — Disability Insurance
ITF — In Trust For
FRF — Financial Reporting Framework
SNA — System of National Accounts
HDI — Human Development Index (UNDP yardstick of human welfare)
SNF — Skilled Nursing Facility
CPM — Cost Per Thousand
B.A. — Bachelor of Arts
XTML — eXtensible Telephony Markup Language
CDL — Commercial Driver's License
OID — Original Issue Discount
MA — Moving Average
CPP — Capital Purchase Program
HSA — Health Savings Account
PTO — Paid Time Off
HHS — Health and Human Services Department
CSRS — Civil Service Retirement System
POS — Point of Service Plan
ERP — Estimated Retail Price
CRC — Committee on the Rights of the Child
BOP — Bureau Of Prisons
HELOC — Home Equity Line of Credit
MOM — Message Oriented Middleware
BCP — Business Continuity Plan
DUNS — Data Universal Numbering System
ICC — International Criminal Court
CAGR — Compounded Annual Growth Rate
HCFA — Health Care Financing Administration
MPS — Marginal Propensity to Save
CRAT — Charitable Remainder Annuity Trust
ISO/MSP — Independent sales organization/Member service provider
SAS — Statement on Auditing Standards
ICANN — Internet Corporation for Assigned Names and Numbers
COE — Certificate of Eligibility
ACV — Actual Cash Value
CORBA — Common Object Request Broker Architecture
PHP — PHP Hypertext Processor
NAVPS — Net Asset Value Per Share

VISN — Veterans Integrated Service Network
B&P — Bid & Proposal
UNSCO — Office of the United Nations Special Coordinator for the Middle East
COI — Conflict Of Interest
MRO — Maintenance, repair, and overhaul
CHR — Commission on Human Rights
BDF — Beneficiary Designation Form
BOT — Board of Trustees
PAT — Profit After Tax
LWO — Leave without pay
FDCPA — Fair Debt Collection Practices Act
EOB — Explanation Of Benefits
AMPS — Auction Market Preferred Stock
EPA — Equal Pay Act
F2F — Face-to-Face Meeting
WRKSHP — Workshop
TPL — Third-Party Liability
ASB — Accounting Standards Board
MC — Market Capitalization
VSNL — Videsh Sanchar Nigam Limited
EFA — Education for All
A/P — Accounts Payable
CMA — Certified Management Accountant
BOT — Balance of Trade
CMA — Certified Management Accountant
PBO — Projected Benefit Obligation
NAR — National Association of Realtors
QTD — Quarter-to-Date
ITC — Information Technology Center
FTE — Full-Time Employee
ADI — After Date of Invoice
WIP — Work In Progress (process)
RWA — Risk Weighted Asset
MEC — Modified Endowment Contract
TRO — Temporary Restraining Order
WAP — Wireless Application Protocol
SOA — Service-Oriented Architecture
TL — Truckload
WTO — World Trade Organisation
FFIEC — Federal Financial Institutions Examination Council
APR — Annual Percentage Rate
ETA — Employment and Training Administration
POD — Payable on Death
UPU — Universal Postal Union
IRCA — Immigration Reform and Control Act
MER — Management Expense Ratio
GED — General Equivalency Diploma
WFC — World Food Council
G2B — Government to Business
SLS — Sales

ECOSOC — Economic and Social Council of the United Nations
UNFPA — United Nations Fund for Population Activities (see www.unfpa.org)
VDT — Video Display Terminal
CICA — Competition in Contracting Act (1984)
CEN — Committee European de Normalisation
OCR — Overall Capitalization Rate
BNA — Bureau of National Affairs, Inc.
LTO — Long-Term Option
CUPA — College and University Personnel Association
TDA — Tax Deferred Annuity
3PL — Third Party Logistics
UNU — United Nations University
ECB — European Central Bank
CAFTA — Central American Free Trade Agreement
CBCMC — Clinical Bar Code Multidisciplinary Committee
CAM — Common Area Maintenance (charges related to commercial leases)
XHTML — Extensible Hypertext Markup Language
ITLOS — International Tribunal for the Law of the Sea
ISO — Incentive Stock Option
CME — Chicago Mercantile Exchange
POP — Public Offering Price
IDR — Issuer Default Rating
AIA — American Institute of Architecture
MACRS — Modified Accelerated Cost Recovery System (IRS)
ATCF — After Tax Cash Flow
MANOVA — Multivariate Analysis of Variance
TCE — Tangible Common Equity
DTA — Deferred tax assets
AO — Authorizing Official
SBLC — Standby Letter of Credit
CIT — Corporate Income Tax
SS — Social Security
CBOT — Chicago Board of Trade
LTIP — Long-Term Incentive Plan
DDU — destination delivery unit
VIE — Variable Interest Entity
BARS — Behaviourally-Anchored Rating Scale
AD & D — Accidental Death and Dismemberment
SEP — Simplified Employee Pension
GFE — Good Faith Estimate
IC — Internal Control
BRD — Business Requirements Documentation
FMS — Financial Management Service
CSA — Cost Sharing Arrangement
ALJ — Administrative Law Judge
CPG — Consumer Packaged Goods
CODASYL — Committee on Data Systems Languages
HR — Human Resource
ITC — Information Technology Conference
ESCAP — Economic and Social Commission for Asia and the Pacific (UN)

PITI — Principal, Interest, Taxes, and Insurance
RRSP — Registered Retirement Savings Plan (Canada; Roughly Equivalent To The IRA In The U.S.)
FAK — Freight all kinds
UGMA — Uniform Gifts to Minors Act (largely replaced by UTMA)
ECP — Engineering Change Proposals
MIME — Multipurpose Internet Mail Extension
ISO — International Standard Organisation
TAN — Tax Anticipation Note
ADJ — Adjust
OE — Operating Expense
HIBOR — Hong Kong interbank offered rate
SMA — Simple Moving Average
RO/RL — Rool on/roll off
FFO — Funds from operations
EEPROM — Electric Erasable Programmable Read Only Memory
ROFR — Right of First Refusal (finance)
AR — Accounts Receivable
DTI — Department of Trade and Industry (UK)
IBC — Independent Breweries Company (original manufacturer of IBC Root Beer)
RULPA — Revised Uniform Limited Partnership Act
CEPS — Cash Earnings Per Share
CAI — Computer Assisted Instruction
POQ — Periodic Order Quantity
FMV — Fair Market Value
CGS — Cost of Goods Sold
CCI — Consumer Confidence Index
GPP — Gross Profit Percentage
NASDAQ — National Association for Security Dealers and Automatic Quotation
FCF — Free Cash Flow
PRP — Preferred Risk Policy
ART — Annual Renewable Term (life insurance)
ITIL — Information Technology Infrastructure Library
QPRT — Qualified Personal Residence Trust
CDHP — consumer-driven health plan
LLLP — Limited Liability Limited Partnership
LSE — London Stock Exchange
RESPA — Real Estate Settlement Procedures Act
CSO — Commissioners Standard Ordinary
ST — Short-Term
RTW — Return To Work
ASEAN — Association of South East Asian Nations
LBO — Leveraged Buyout
ASAE — American Society of Association Executives
CERD — Committee on the Elimination of Racial Discrimination
UNCTAD — United Nations Conference on Trade and Development
UNHCR — United Nations High Commissioner for Refugees Program
EXP — Export
NAFTA — North American Free Trade Agreement
ABA — Accredited Business Accountant
PHC — Personal Holding Company

EIC — Earned Income Credit
PIK — Payment in Kind
SIPC — Securities Investor Protection Corporation
PERL — Practical Extraction and Report Language
CIMC — Certified Investment Management Consultant
NCOA — National Change Of Address
PY — Prior Year
ADR — Asset Depreciation Range (finance)
AGT — Agent
USP — Unique Selling Point
RIA — Registered Investment Advisor
RFQ — Request For Quote
DB — Defined Benefit (retirement Plan; For Example, A Pension)
CFAT — Cash Flow After Taxes
B&O — Business and Occupation
ISO — Independent Sales Organization
ACP — Average Contribution Percentage
EOM — End Of Month
IFAD — International Fund for Agricultural Development (UN)
ROOA — Return on Operating Assets
CMBS — Commercial mortgage-backed securities
CEU — Continuing Education Unit
BU — Bargaining Unit
EURIBOR — Euro Interbank Offered Rates
CNF — Cost, not freight
A/R — Accounts Receivable
ITA — International Trade Administration
SB/SDB — Small Business/Small Disadvantaged Business
HDML — Handheld Device Markup Language
GPI — Gross potential income
UNFCCC — United Nations Framework Convention on Climate Change
BPM — business process management
LT — Lead Time
UNCED — United Nations Conference on Environment and Development
OCF — Operating Cash Flow
IDA — International Development Association
FASAC — Financial Accounting Standards Advisory Council
LEC — Local Exchange Carrier
MI — Mortgage Insurance
DOC — Doctor
ESO — Employee Stock Option
FHLMC — Federal Home Loan Mortgage Corporation, United States
IPCS — International Programme on Chemical Safety
CIX — Commercial Internet Exchange
CUM — Cumulative
TEV — Total Enterprise Value
AMID — Allowable Miscellaneous Itemized Deductions
IRDA — Insurance Regulatory Development Authority
EPTA — Expanded Programme of Technical Assistance
D&O — Directors and Officers Liability

IRIN — Integrated Regional Information Networks
FUTA — Federal Unemployment Tax Act
RR — Revenue Ruling
ECI — Employment Cost Index
DIP — Debtor In Possession
LBB — Legislative Budget Board
RP — Repurchase Agreement
INC. — Incorporated
TAM — Television Audience Measurement
LEPO — Low Exercise Price Option
AFTP — Anonymous File Transfer Protocol
EISA — Extended Industry Standard Architecture
FTD — Federal Tax Deposit
REPO — Repurchase Agreement
EOI — Expression Of Interest
UIC — Unemployment Insurance Commission (Canada, archaic)
MPEG — Moving Picture Experts Group (International Standards Organisation/International Electrotechnical Commission)
CA — Confidentiality Agreement
LFY — Last Fiscal Year
GE — General Electric American Communications Inc.
REV. PROC. — Revenue Procedure
MDB — Multilateral Development Bank
CCP — Certified Compensation Professional
CVP — Cost-Volume-Profit
UNZAP — United Nations Zambia Assistance Programme
SSD — Social Security Disability
LMRDA — Labor-Management Reporting and Disclosure Act of 1959
OASDHI — Old Age, Survivors, Disability and Health Insurance Act
DOH — Days inventory On Hand
PTP — Publicly Traded Partnership
AMTI — Alternative Minimum Taxable Income
T&D — Training and Development
CFC — Chartered Financial Consultant
SOL — Statute of Limitations
PE — Price-earnings ratio
DRP — Disaster Recovery Plan
PHR — Professional in Human Resources Certification
SB — Senate Bill
CAFR — Comprehensive Annual Financial Report
UNHCHR — United Nations High Commissioner for Human Rights
ECE — Economische Commissie voor Europa (United Nations) (Dutch: Economic Commission for Europe)
TDI — Temporary Disability Insurance
TRA — Tax Reform Act
ASTD — American Society for Training and Development
BOC — Budget Object Code
PM — Profit Margin
SGA — Substantial Gainful Activity
ECF — Extended Care Facility
RIC — Regulated Investment Company
ECA — Economic Commission for Africa

AFR — Applicable Federal Rate
TWA — Time Weighted Averages
CDI — Category Development Index
DSPP — Direct Stock Purchase Plan
FHA — Federal Housing Administration
HRM — Human Resource Management
SCA — Service Contract Act
DOI — Date of Injury
REV. RUL. — Revenue Ruling
AOQL — Average Outgoing Quality Level
UR — Utilization Review
UNAMIC — United Nations Advance Mission In Cambodia
FMLA — Family and Medical Leave Act
BRC — Business Reply Card
MRQ — Most Recent Quarter
CPIC — Capital Planning and Investment Control
ATP — Accredited Tax Preparer
OIOS — Office of Internal Oversight Services
SBLI — Savings Bank Life Insurance
C&I — Commercial and industrial customers (Electricity transmission)
NLRB — National Labor Relations Board
PDQ — Position Description Questionnaire
CHRO — Chief Human Resource Officer
SAT — Scholastic Aptitude Test
LTA — Long-Term Agreement
EPZ — Export Processing Zone
CIF — Cost, Insurance, and Freight (Paid) (shipping)
FASAB — Financial Accounting Standards Advisory Board
A/E — Architect/Engineer
UNCIP — United Nations Commission for India and Pakistan
GSI — general salary increase
TSR — Terminate and Stay Resident [software program]
FITW — Federal Income Tax Withholding
BCC — Blind Copied
CUSIP — The Committee Of Uniform Security Identification Procedures
QMAC — Qualified Matching Contributions
NFIP — National Flood Insurance Program
NAICS — North American Industry Classification System
FERC — Federal Energy Regulatory Commission (U.S.)
CCL — Center for Creative Leadership
RE — Residual Earnings
ATB — Across the Board
PDA — Personal Data Assistant
RAP — Regulatory Accounting Principles
NCSA — National Center for Supercomputing Applications
IASC — Inter-Agency Standing Committee
PHI — Protected Health Information
SDB — Small Disadvantaged Business
SBO — Small Business Owner
MUPLA — Model Uniform Products Liability Act

IPTF — International Police Task Force
SC — Securities Commission
LF — Labor Force
PFS — Personal Financial Specialist
EA — Electronic Arts Inc (NASDAQ Stock Exchange [NASDAQ])
MMDA — Money Market Deposit Account
NOW — Negotiable Order of Withdrawal
SDD — Software Design and Development
BRIC — Brazil, Russia, India and China
TAM — Technical Advice Memorandum
D&F — Determination & Finding
FS — Financial Statement
WIPO — World Intellectual Property Organization
CAD — Cash Available for Distribution
CPI — Cost Performance Index
PY — Program Year
GOOS — Global Ocean Observing System (IOC, UNESCO, WMO, and ICSU)
CFA — Consumer Federation of America
LDI — Liability Driven Investment
CFS — Container Freight Station
ERS — Economic Research Service
PDA — Payday Advance Loan
QMCSO — Qualified Medical Child Support Order
DCAA — (U.S.) Defense Contract Audit Agency
FFY — Federal Fiscal Year
AMTFTC — Alternative minimum tax foreign tax credit
SA — Seasonally Adjusted
ADEA — Age Discrimination in Employment Act's
AFP — Association for Financial Professionals
BID — Business Improvement District
PEO — Professional Employer Organization
CIO — Chief Investment Officer
GIF — Guaranteed Investment Fund
COD — Cancellation of Debt
PBGC — Pension Benefit Guaranty Corporation
NAIC — National Association of Insurance Commissioners
LPA — Licensed Public Accountant
DM — Direct Mail
ESI — Electronically Stored Information
CSO — Central Statistical Organisation
CUM DIV — Cumulative dividend
ASU — Accounting Standards Update
GPM — Graduated Payment Mortgage
NOL — Net Operating Loss
NCUSIF — National Credit Union Share Insurance Fund
AIME — Average Index Monthly Earnings
CS — Cost-Sharing
MLR — Medical Loss Ratio
LC — Limited Company
FNA — Financial needs analysis

GAAP — Generally Accepted Accounting Procedures
FASB — Financial Accounting Standards Board
VAT — Value-added taxes
FRB — Federal Reserve Board
SBC — Southwestern Bell Corporation
LIBOR — London interbank offering rate
NMS — Normal Market Size
GOV — Government Owned Vehicle
RAN — Revenue Anticipation Note
AAG — Audit and accounting guides
FAS — Financial Accounting Standards
ERM — Enterprise Risk Management
GL — General Liability
MTL — Multi-Level Marketing
BRE — Business Reply Envelope
FIE — Foreign-Invested Enterprise
ACC — Administrative Committee on Coordination
PAAS — Platform-as-a-Service
ADC — Acquisition, Development, and Construction
A&S — Accident and sickness insurance
ATU — Annual Tax Unit
EBO — Employee Buyout
NCA — National Cemetery Administration
HCM — Human Capital Management
DPP — Deferred Payment Plan
TTD — Temporary Total Disability
TIC — Tenant In Common
ILIT — Irrevocable Life Insurance Trust
SE — Self Employed
CGMA — Chartered Global Management Accountant
TRUPS — Trust Preferred Securities
OHCHR — Office of the United Nations High Commissioner for Human Rights
SEM — Shared-Equity Mortgage
WTO — World Tourism Organization
LT — Long Terme
EA — Enrolled Agent
PDA — Pregnancy Discrimination Act
CTV — Capital Timber Value
EOI — Evidence of Insurability
PRC — Peer Review Committee
WT — Warrant
LM — Last Month
OL — Operating Liabilities
ROA — Return on assets
AAAA — American Association of Advertising Agencies
SUTA — State Unemployment Tax Act
GR — General Revenue
BCFD — Billion Cubic Feet per Day
LOR — Letter Of Response
PPE — Property, Plant and Equipment

DRO — Domestic Relations Order
CLAT — Charitable Lead Annuity Trust
GICS — Global Industry Classification Standards
CMYK — Cyan, Magenta, Yellow, Black
NVI — Negative Volume Index
GST — Goods and Services Taxation
AL — Assisted Living
JEC — Joint Economic Committee
JOLTS — Job Openings and Labor Turnover Survey
EPI — Expanded Programme on Immunization
RI — Royalty Interest
REC — Renewable Energy Certificate
CSO — Chief Security Officer
C&D — Cease and Desist
ALEX — AUTOMATED LABOR EXCHANGE
WRA — Weighted Risk Assets
ATR — Americans for Tax Reform
F&F — Furniture & Fixtures
SBAP — Small Business Assistance Program
CPI-W — Consumer Price Index for Urban Wage Earners and Clerical Workers
NDNH — National Directory of New Hires
UNITAR — United Nations Institute for Training and Research
ADS — Alternative Depreciation System
MCC — Mortgage Credit Certificate
PLM — Product Lifecycle Management
TA — Technology Assessment
CSHO — Compliance Safety and Health Officer
WAI — Wealth Added Index
UNCITRAL — United Nations Commission On International Trade Law
MOF — Ministry Of Finance
UTMA — Uniform Transfers to Minors Act
LYON — Liquid Yield Option Note
UNA — United Nations Association
IAM — Identity and Access Management
ACASTD — Advisory Committee on the Application of Science and Technology to Development
EOU — Export Oriented Unit
CFTC — Commodity Futures Trading Commission
SMA — Separately Managed Account
K/A — Known as
CK — Calvin Klein
SOS — Sound On Sound
GAO — Government Accounting Office
LOB — Line-Of-Balance
FCFE — Free Cash Flow to Equity
PCI — Per Capita Income
PSI — Performance Salary Increase
DIO — Days Inventory Outstanding
CFP — Certified Financial PlannerTM
IDP — Internally Displaced Person
ECM — Enterprise Content Management

ESL — English as a second language
MOH — Music On Hold
SAAR — Seasonally Adjusted Annual Rate
BAT — Business Activity Tax
BDC — Business Development Center
ALC — Alien Labor Certification
VSOE — Vendor-Specific Objective Evidence
MLM — Multi-Level Marketing
SCORE — Service Corps Of Retired Executives
ESS — Employee Self-Service System
GA — General Agent
CGQ — Corporate Governance Quotient
UCI — Unemployment Compensation Insurance
HDAPT — Hybrid domestic asset protection trust
SNE — Salaried Non-Exempt
EGM — Extraordinary General Meeting
CLU — Chartered Life Underwriter
BPM — Business Performance Management
IFC — International Finance Corporation
TPD — Temporary Partial Disability
CEA — Chief Enterprise Architect
EBSA — Employee Benefits Security Administration
BIA — Business Impact Analysis
ACABQ — Advisory Committee on Administrative and Budgetary Questions
NL — No-Load
NABA — National Association of Black Accountants, Inc.
CPA — Comprehensive Plan of Action
ESOT — employee stock ownership trust
PLR — Private Letter Ruling
ICTY — International Criminal Tribunal for the Former Yugoslavia
ATA — Accredited Tax Advisor
AA — Adverse Action
CRM — Client Relationship Management
SOP — Statement Of Position
PCAOB — Public Company Accounting Oversight Board
OIBITDA — Operating Income Before Interest, Taxes, Depreciation and Amortization
CBA — Controlled Business Arrangement
EBRI — Employee Benefit Research Institute
B.S. — Bachelor of Science
ILO — International Labor Organization (UN)
MLP — Master Limited Partnership
DFL — Degree of Financial Leverage
OC — Opportunity Cost
BSM — Black-Scholes-Merton
CODA — Cash or Deferred Arrangement (401K)
PVFC — Prepaid variable forward contract
GAAS — Generally Accepted Auditing Standards. Perhaps only marginally less contradictory than GAAP, but they do exist, honestly.
MLD — Market-linked deposit
IOS — International Organization for Standards
CPE — Continuing Professional Educational

GNMA — Government National Mortgage Association
BPD — barrels per day
DCAP — Dependent Care Assistance Program
FPML — Financial Products Markup Language
ROS — Run Of Schedule
NSF — Not Sufficient Funds
FSLIC — Federal Savings & Loan Insurance Corporation
IBEW — International Brotherhood of Electrical Workers
XBRL — Extensible Business Reporting Language
DFAS — Defense Financial Accounting Service
NMFC — National Motor Freight Classification
BDI — Brand Development Index
HP — Hewlett Packard's
CFE — Certified Financial Examiner
CNS — Continuous Net Settlement
CAE — Certified Association Executive
AACU — American Association of Colleges and Universities
DPA — Department of Political Affairs
AE — Actual Expense
AAPC — Accounting and Auditing Policy Committee
SERP — Supplemental Executive Retirement Plan
DAGMAR — Defining Advertising Goals for Measured Advertising Results
OASDI — Old Age and Survivors Disability Insurance
ERM — Enterprise Resource Management
CIC — Consumer Information Center
WRHSE — Warehouse
PILOT — Payment In Lieu Of Taxes
NRF — National Retail Federation
CSF — Critical Success Factor
FACCT — Foundation for Accountability
ISSA — International Securities Services Association
PR — Public Relations
GAAP — Generally Accepted Accounting Principles
KYC — Know-your-customer
DPI — Department of Public Information
HFS — Hold for sale
NIOSH — National Institute of Occupational Safety and Health's
UCR — Usual, Customary and Reasonable Fees
DINKS — Dual Income, No Kids
A/E — Accured expense
PUD — Planned Unit Development
ABF — Asset-Based Financing
IBNR — Incurred But Not Reported
DOL — Degree of Operating Leverage
UNCCD — United Nations Convention to Combat Desertification
AC — Acceleration Clause
DW — Dislocated Worker
HC — Humanitarian Coordinator
FRV — Fair Rental Value
ESA — Employment Standards Administration

BTCF — Before Tax Cash Flow
ECM — Excess cash margin
GCOS — Global Climate Observing System (WMO, IOC, UNEP, and ICSU)
MBS — mortgage backed security
NSA — Not Seasonally Adjusted
RSA — Rivest-Shamir-Adleman
ATB — Accountants Trial Balance
IIA — Institute of Internal Auditors
CB — Carryback
SPE — Special Purpose Entity
CGA — Charitable Gift Annuity
MAS — Multiple-Award Schedule
CESA — Coverdell education savings account
EMS — Eastern Mountain Sports
LCA — Labor Condition Application
INSTRAW — International Research and Training Institute for the Advancement of Women
ROP — Run of Press
WHA — World Health Assembly
REI — Recreational Equipment, Inc.
ICM — Incentive Compensation Management
EAR — Export Administration Regulations
IME — Independent Medical Examination
UNMISET — United Nations Mission of Support in East Timor
FRS — Federal Reserve System
SWOT — Strengths, Weaknesses, Opportunities and Threats
OTS — Office of Thrift Supervision
7S — Strategy, Structure, Systems, Style, Staff, Skills, Shared values
TIP — Transportation Improvement Program
INSARAG — International Search and Rescue Advisory Group
ILAB — Bureau of International Labor Affairs
CEDAW — Committee on the Elimination of Discrimination against Women
CMMI — Capability Maturity Model Integrated
DAN — Depositor Account Number
ACP — Actual deferral percentage
MBDA — Minority Business Development Agency
URO — Utilization Review Organization
AEI — American Enterprise Institute
GEF — Global Environmental Facility (environment)
YOY — Year-over-year
FEIN — Federal Employment Identification Number
LAR — Legislative Appropriations Request
ICQ — Internal Control Questionnaire
TDB — Temporary Disability Benefits
YRT — Yearly Renewable Term
WTW — Welfare-to-Work
ROC — Return on Capital
LCC — Life Cycle Cost
FSI — Free Standing Insert
BBDO — Batten, Barton, Durstine & Osborn
BOP — businessowners policy

ASF — American Securitization Forum
MST — Marketable Securities Tax
BOC — Business Operations Committee
HECM — Home Equity Conversion Mortgage
HCO — Health Care Organization
SAR — Summary Annual Report
ABV — Accredited in Business Valuation
FWT — Federal Withholding Tax
CPLTD — Current portion of long-term debt
BOI — Business Object Interface
MSI — Multiple Streams of Income
HRMS — Human Resource Management System
MRD — Minimum Required Distribution
OM — Options Market
FNMA — Federal National Mortgage Association
TCOE — Total Cost of Equity
DFEH — Department of Fair Employment and Housing's
CE — Continuing Education
VOPAN — Voice Pitch Analysis
MLR — Monthly Labor Review
CPO — Chief of Purchasing Office
STAR — Satellite Television Asian Region, Ltd.
ECOA — Equal Credit Opportunity Act
TRNSFR — Transfer
SIV — Structured Investment Vehicle
COP — Conference of the Parties
CIA — Certified Internal Auditor (US)
AIDA — Attention, Interest, Desire, Action
ARS — Auction Rate Securities
CEBS — Certified Employee Benefits Specialist
PTA — Preferential Trade Arrangement
ISA — International Seabed Authority
TVM — Time Value of Money
ACV — Account Current Value
ASCI — Advertising & Standards Council of India
IRA — Individual Retirement Arrangement
CDFI — Community Development Financial Institution
LCM — Lower of Cost or Market
EPCM — Exempt-contract, percentage-of-completion method
ECOWAS — Economic Community of West African States
OB — Office of Budget
CATS — Certificate of accrual on Treasury securities
WPI — Wholesale Price Index
AWW — average weekly wage
VSOP — Very Special Old Pale
SSDI — Social Security Disability Insurance
BPC — Business Planning Cycle
STTR — Small Business Technology Transfer
SEPA — Single Euro Payments Area
FSS — Federal Supply Schedule

SCM — Supply Chain Management
W/C — Working Capital
ATO — Administrative Time Off
MCI — Microwave Communications Incorporated
NAAEC — North American Agreement on Environmental Cooperation
LINTAS — Levers International Advertising Services
UL — Universal Life
QSF — Qualified Settlement Fund
ASG — Assistant Secretary General
FCB — Foote Cone & Belding
ADP — Applicable Distribution Period
TPA — Third Party Administrator
LTL — Less Than Truckload Lot
AIC — Architecture and Infrastructure Committee
ITMP — Information Technology Management Program
ISM — Interactive Studio Management
CFC — Court of Federal Claims
CRAFT — Computerised Relative Allocation of Facilities Techniques
CCM — Completed Contract Method
BAT — Business Action Theory
OCHA — Office for the Coordination of Humanitarian Affairs
CPSC — Consumer Products Safety Commission
QBU — Qualified Business Unit
IAP — Initial advance payment
NSA — National Society of Accountants
UNOCHA — United Nations Office for the Coordination of Humanitarian Affairs
PGI — Potential Gross Income
HRD — Human Resource Development
CISSP — Certified Information Systems Security Professional
SSB — Securities Supervisory Board
RFA — Regulatory Flexibility Act (US)
NSA — National Safety Associates
HFA — Housing Finance Agency
BOA — Basic Ordering Agreement
ADP — Attention Dial Pulse
MLS — Mass Layoff Statistics
DOM — Distributed Order Management
AMC — Appraisal Management Companies
ABS — Asset Based Securitization
EAC — Employee Advisory Committee
SPD — Summary Plan Description
SPAC — Special-purpose acquisition company
ABCP — Asset Backed Commerical Paper
TAMRA — Technical and Miscellaneous Revenue Act of 1988
POP — Premium Only Plan
COCA — Cost of capital allowance
NNN — Net Net Net
USAA — United Services Automobile Association's
NRE — Net realizable equity
NDA — Nondisclosure Agreement

ICJ — International Court of Justice
SFH — Single Family Home
NCCI — National Council on Compensation Insurance
GIM — Gross Income Multiplier
AFC — Average fixed costs
ROC — Rate of Change
UPE — Unreimbursed Partnership Expenses
B2C — Business to Consumer
DAF — Donor Advised Fund
TSR — Tactical Studies Rules
LOS — Law Of The Sea
ELP — Electing large partnership
DAPT — Domestic Asset Protection Trust
NNTP — Network News Transport Protocol (ATM)
FMCS — Federal Mediation and Conciliation Service
PTE — Pass-Through Entity
RBM — Roll Back Malaria
OCC — Office of the Comptroller of the Currency
EFW — Electronic Funds Withdrawal
RSI — Relative Strength Indicator
MLP — Minimum lease payments
FSA — Farm Service Agency
UNEF — United Nations Emergency Force
NASBA — National Association of State Boards of Accountancy
NQDC — Nonqualified deferred compensation
TSP — Thrift Savings Plan
DBT — Days Beyond Terms
JTPA — Job Training Partnership Act
NAAS — Network as a Service
FP — Fixed Price
SDI — State Disability Insurance
MSB — Money Service Businesses
TOD — Transfer on death
A&A — Advisory & Assistance
CI — Contract Item
AJB — America’s Job Bank
AFTS — Automatic Funds Transfer Services
STD — Short-term disability
ADEA — Age Discrimination and Employment Act
RCN — Replacement Cost New
ASPPA — American Society of Pension Professionals & Actuaries
FHLB — Federal Home Loan Bank
CSV — Cash Surrender Value
OD — Organizational Development
OASDHI — Old Age, Survivors, Disability, and Health Insurance
LTD. — Limited
FCCC — For the Framework Convention on Climate Change
BHC — Bank Holding Company
CNC — Currently Not Collectible
NRA — Non-Resident Alien

ALBM — Automated Lending and Borrowing Mechanism
REG. — Regulation
ILC — International Law Commission
NPT — Non-Proliferation Treaty
MUD — Multiple User Dungeon
DIC — Document Identifier Code
UNMIK — United Nations Interim Administration Mission in Kosovo
AAGR — Annual average growth rate
APB — Accounting Principles Board's
ECP — Emergency Conservation Program
GRID — Global Resource Information Database (UNEP)
MTTR — Mean Time To Recovery
DBO — Death Benefit Only
EPROM — Electrically Programmable Read Only Memory
BRICS — Brazil, Russia, India, China and South Africa
IBR — Income-based repayment
NPA — Non-Performing Assets
FMC — Federal Maritime Commission's
TAT — Total asset turnover
SRSG — Special Representative of the Secretary-General
BCA — Board of Contract Appeals
SHRM — Society for Human Resource Management's
FRA — Full Retirement Age
ITSM — Information Technology Service Management
F&C — Free and Clear
TIF — Tax Increment Financing
PSC — Personal Service Corporation
CSE — Customer Service Environment
IDA — Industrial Development Authority
FMR — Fair Market Rental
SMSA — Standard Metropolitan Statistical Area
AML — Adjustable Mortgage Loan
FIA — Federal Insurance Administration
UNAMIR — United Nations Assistance Mission for Rwanda
CBL — Common Business Language
OSG — Office of the Secretary-General
WHD — World Habitat Day
DOLETA — Department of Labor Employment and Training Administration
A&I — Accident and Indemnity
CSD — Commission on Sustainable Development's
CCA — Consolidated Contracting Activity
TEFRA — Tax Equity and Fiscal Responsibility Act of 1985
CETA — Comprehensive Employment and Training Act of 1975
SBC — Summary of Benefits and Coverage
INS — Immigration & Naturalization Service
BTT — Business Transfer Tax
AX — Armani Exchange
RIM — Retail Inventory Method
CEBS — Certified Employee Benefit Specialist
CLUT — Charitable Lead Unitrust

NCUA — National Credit Union Administration
PTAC — Procurement Technical Assistance Center
OLA — Office of Legal Affairs
DTL — Deferred Tax Liability
AA — Author Alteration
SESA — State Employment Security Agency
CLA — Cross-Licensing Agreement
BDI — Behavioral Description Interview
OR — Operations research
FSLMRA — Federal Service Labor-Management Relations Act
TL — Time & Labor
RTN — Routing Transit Number
CC — Capital Contribution
PIA — Primary Insurance Amount
0DSAC — 90 days, same as cash
ROTC — Reserve Officer Training Corporation
DII — Days in Inventory
HSBC — Household Bank Corporation
ADI — Area of Dominant Influence
PBT — Profit Before Tax
ABMS — Activities Based Management System
ADP — Automatic Data Processor
HC — human capital
LEO — Long-term Equity Options
ALV — Average Lease Value (Cars)
I-9 — I-9 Form
IDNDR — International Decade for Natural Disaster Reduction
CCC — Commodity Credit Corporation
EVM — Earned Value Management
JPO — Junior Professional Officer
CFA — Committee on Food Aid Policies and Programmes
DCPP — Defined Contribution Pension Plan
PIC — Prior Informed Consent
COL — Cost Of Living
SSVS — Statement on Standards for Valuation Services
MOC — Market On Close
SSUTA — Streamlined Sales and Use Tax Agreement
C2C — Customer to Customer
EMP — Environmental Planning and Management
UNGOMAP — United Nations Good Offices Mission In Afghanistan and Pakistan
CAPS — Convertible Adjustable Preferred Stock
RFPA — Right to Financial Privacy Act of 1978
VAO — Virtual Acquisition Office
PING — Pocket Internet Gopher
LHWCA — Longshore and Harbor Worker’s Compensation Act
OER — Operation Expense Ratio
CAA — Congressional Accountability Act
IPS — Inflation Protected Security
VEBA — Voluntary Employees' Beneficiary Association
OI&T — Office of Information and Technology

MP3 — Moving Pictures Experts Group 1 Audio Layer 3
UNOVER — United Nations Observer Mission to Verify the Referendum in Eritrea
BCS — Business Case Study
CHL — Customs house license
PCE — Personal consumption expenditure; personal consumption expenditure deflator
OGC — Office of the General Counsel
ARR — Average Rate of Return
GPO — Guaranteed Purchase Option
HDR — Humanitarian Daily Ration
A/S — Account sales
ECU — Emergency Coordination Unit
TC — Trusteeship Council (UN)
AFN — Additional Funds Needed
USF — Usable Square Feet
GASB — Governmental Accounting Standards Board
UNCC — United Nations Compensation Commission
MTC — Multistate Tax Commission
CEA — Council of Economic Advisors
FVO — Fair Value Option
SEPED — Social Development and Poverty Elimination Division
MCC — Merchant category codes
SRA — Supplemental Retirement Annuity
HPI — Human Poverty Index
FRA — Federal Reserve Act
SSD — Social Security Disability
REMIC — Real Estate Mortgage Investment Conduit
COST — Council on State Taxation
ESA — Coverdell education savings account
ITAM — IT asset management
NSX — National Stock Exchange
(X) — Export
C-TPAT — Customs-Trade Industry Against Terrorism
RTW — Right to Work
DUA — Disaster Unemployment Assistance
EGI — Effective Gross Income
TTL — Total Linhas Aéreas
DPO — Days payables outstanding
GTOS — Global Terrestrial Observing System
HCA — head of contracting activity; humanitarian and civic assistance
SBA — Small Business Administrations
ITSD — Information Technology Services Division
GLA — Gross Leaseable Area
HUDCO — Housing and Urban Development Corporation Limited
PAM — Pledged Account Mortgage
UNVFVT — United Nations Voluntary Fund for Victims of Torture
SEA — Securities Exchange Act
OOB — OOS out of business
AFICS — Association of Former International Civil Servants
CFIUS — Committee on Foreign Investment in United States
REA — Return on assets

CEC — Continuing Education Center
CEA — Commodity Exchange Authority
MLA — Minimum Liquid Assets
MOTO — Mail order-telephone order
P/E — Price-to-earnings ratio
PMSA — Primary Metropolitan Statistical Area
DESIPA — Department for Economic and Social Information and Policy Analysis
UNIIMOG — United Nations Iran-Iraq Military Observer Group
ACFE — Advisory Committee on Forestry Education
UNPD — United Nations Population Division
SHOP — Small Business Health Options Program
P&I — Principle and interest payment
APOC — Administrative Point of Contact
MSP — Managed Service Provider
PCCM — Percentage-of-completion/capitalized cost method
ITAC — Information Technology Advisory Committee
UNDAF — United Nations Development Assistance Framework
PT — Part-Time
M&A — Merger & Acquisition
CVLI — Cash Value Life Insurance
VA — Veterans Affairs
ITBAT — IT Budget Analysis Team
BRM — Business Reference Model
UNCT — United Nations Country Team
UAW — United Auto Workers
ABC — Audit Bureau of Circulations Inc.
ADA — Associate Deputy Administrator
DMFAS — Debt Management and Financial Analysis System
SOC — Standard Occupational Classification
ECOA — E-Mail Change of Address
MRPS — Mandatorily redeemable preferred stock
A&A — Assessment and Accreditation
UNCIVPOL — United Nations Civilian Police
FCA — Farm Credit Administration
ECOMOG — Economic Community of West African States' Monitoring Observer Group
NAC — National Acquisition Center
IMRB — Indian Market Research Bureau
QAI — Quality Assurance International
ICDC — International Child Development Centre
RELP — Real Estate Limited Partnership
UTLZTN — Utilization
CEMP — Comprehensive Emergency Management Program
BAT — Budget Advisory Team
FICCI — Federation of Indian Chamber of Commerce and Industry
NLRA — National Labor Relations Act
LTC — Long-Term Care
CHB — Custom House Broker
VPFC — Variable Prepaid Forward Contract
DRTV — Direct Response Television
UNCHS — United Nations Centre for Human Settlements

DFI — Derivative Financial Instrument
ICSC — International Civil Service Commission
SIAP — Statistical Institute for Asia and the Pacific
ABLOS — Advisory Board on the Law of the Sea
FRS — Functional Requirements Specifications
IMR — Information Management Research
EMT — Executive Management Team
CPFFC — Cost-plus-fixed-fee contract
SIB — Securities and Investment Board
VOCC — Vessel Operating Common Carriers
USG — Under Secretary General
MTHLY — monthly
CEA — Certificate of Educational Achievement
SSDI — Social Security Disability Indemnity
LAIA — Latin American Integration Association
IASB — International Accounting Standards Board
B&N — Barnes and Noble
FT — Full-Time
LEAF — Logistics, Engineering, Acquisition, and Finance
UNSECOORD — Office of the United Nations Security Coordinator
UTC — Uniform Trust Code
WKLY — Weekly
PWC — Public Works Commission
LTI — Long-term incentive
ETC — Estimate To Completion
ESOP — Employee Stock Option Plan
DWC — Days working capital
ALTA — American Land Title Transfer
3COM — Computer, Communications and Compatibility
BONUCA — United Nations Peace-Building Office in the Central African Republic
SSBCI — State Small Business Credit Initiative
SMLLC — Single Member Limited Liability Company
VA — Variable Annuity
EM — Emergency Loan Program
FAS — Finance and Accounting System
UNV — United Nations Volunteers Programme
EPA — Expanded Programme of Assistance
ATB — Adjusted Trial Balance
CRUT — Charitable Remainder Unitrust
FS — Forest Service (USDA)
SLOB — Separate Line of Business
UNOMUR — United Nations Observer Mission Uganda-Rwanda
GTL — Group Term Life Insurance.
CGL — Comprehensive General Liability
UNOMIG — United Nations Observer Mission In Georgia
MTM — Market to Market
J&S — Joint and Survivorship
EDA — Economic Development Administration's
ZBB — Zero-based budgeting
QR — Quality Review

WBG — World Bank Group
ITMRA — Information Technology Management Reform Act (Part of the Clinger-Cohen Act)
AET — Accumulated Earnings Tax
PAR — Public Accounting Report
EFTA — European Free Trade Area
EITC — Earned Income Tax Credit
COHRS — Central Office Human Resources Service
TSA — Tax-sheltered annuity
ETN — Exchange Traded Note
UNCSW — United Nations Commission on the Status of Women
ZEN — Zero Effort Network
R&C — Reasonable and Customary
WI — Working Interest
C&A — Certification & Authority
IPA — Inflation Protected Annuity
SAM — System for Award Management
CSR — Corporate Social Responsibilty
SFOR — Stabilization Force
UNCCP — United Nations Conciliation Commission for Palestine
TBC — To Be Contested
CSA — Capital Support Agreements
UNAMSIL — United Nations Mission In Sierra Leone
DGFT — Director General of Foreign Trade
CMSA — Consolidated Metropolitan Statistical Area
UNDOF — United Nations Disengagement Observer Force
TCBY — The Country's Best Yogurt
DHL — Dag Hammarskjöld Library
DCAP — Dependent Care Assistance Plan
AATF — Airport and Airway Trust Fund
UNOPS — United Nations Office for Project Services
FMHA — Farmers Home Administration
ICGFI — International Consultative Group on Food Irradiation
TRASOP — Tax Reduction Act ESOP
EIA — Equity Indexed Annuity
COSO — Committee of Sponsoring Organizations
DSI — Discretionary Salary Increase
OTB — Off-Track Betting
D&B — Dun & Bradstreet
ROU — Right of Use
UNSCEAR — United Nations Scientific Committee on the Effects of Atomic Radiations
UNISPAL — United Nations Information System on the question of Palestine
SMM — Summary of material modifications
PFR — Portable Font Resource
HRIS — Human Resource Information System
UC — Unemployment Compensation
IASC — International Accounting Standards Committee
HCTC — Health Coverage Tax Credit
UNIFIL — United Nations Interim Force In Lebanon
EAPA — Employee Assistance Professionals Association, Inc
FACT — Fair and Accurate Credit Transactions Act of 2003

IRD — Income in respect of a decedent
ROA — Regional Office for Africa
SDVOSB — Service-Disabled Veteran-Owned Small Business
DVOP — Disabled Veterans Outreach Program
ICPD — International Conference on Population and Development
VHA — Veterans Health Administration's
PCFRC — Private Company Financial Reporting Committee
FOM — Field Operations Manual
CPC — Committee for Programme and Coordination
INA — Immigration and Naturalization Act
UNJSPF — United Nations Joint Staff Pension Fund
EDP — Employee Development Plan
ECR — Executive Conference Room
UDITPA — Uniform Division of Income for Tax Purposes Act
AIMS — Advertising and Integrated Marketing Solutions
SIFMA — Securities Industry and Financial Markets Association
SV — Salvage value
SYSTEM — Save YourSelf Time, Engergy, and Money (as reported by www.just15minutes.com)
DMB&B — D'arcy Masius Benton & Bowles
S&L — Savings and Loan
TESSA — Tax-Exempt Special Savings Account
UCR — Usual, customary, and reasonable
AFB — American Farm Bureau, Inc.
DDSN — Demand-driven supply networks
FO — Foreign to occupation
UNICRI — United Nations Interregional Crime and Justice Research Institute
OSSG — Office of the Spokesman for the Secretary-General
ASR — Accelerated Stock Repurchase
QAIP — Quality Assurance and Improvement Plan
BML — Bean Markup Language
IRB — Internal Revenue Bulletin
DIT — Deposit in Transit
ERD — Emergency Response Division
MAGI — Modified Adjusted Gross Income
HRA — Health Reimbursement Arrangement
NR — Not Rated
YAHOO — You Are Hazy Over Oranges
NACUBO — National Association of College & University Business Organizations
CPP — Consumer Preferences and Policy
R/E — Real estate
TAB — Tax Anticipation Bill
SARSEP — Salary Reduction Simplified Employee Pension Plan
LDW — Last Day Worked
GAW — Global Atmosphere Watch (WMO)
PIM — Product Information Management
FEA — Fair Employment Act
AFE — Average Funds Employed
REA — Retirement Equity Act
GIC — Guaranteed Investment Contract
QSPE — Qualified special purpose entity

CCPOQ — Consultative Committee on Programme and Operational Questions
DVA — Debt value adjustment
WCEFA — World Conference on Education for All
CSCS — Computer Software Components
SSOP — Second Surgical Opinion Program
WRC — World Radiocommunication Conference
ECAB — Employee's Compensation Appeals Board
UNSCOM — United Nations Special Commission for the Elimination of Iraq's Weapons of Mass Destruction
ARB — Accident Review Board
SAS — Statement of Accounting Standards
MBA — Masters of Business Administration
SBD — Small Disadvantaged Business
ACW — African Centre for Women
HRA — Health Reimbursement Account
MEWA — Multiple Employer Welfare Arrangement
ITS — Intermarket Trading System
CICP — Centre for International Crime Prevention
PEP — Personal Exemption Phaseout
GMIB — Guaranteed Minimum Income Benefit
DSA — Disaster Debt Set-Aside Program
OCP — Overland Common Point
CCH — Commerce Clearing House
ROAE — Return on Assets Employed
HWRP — Hydrology and Water Resources Programme
UNMOT — United Nations Mission of Observers in Tajikistan
EDGAR — Electronic Data Gathering, Analysis and Retrieval
E&P — Earnings & Profits
DAW — Division for the Advancement of Women
MBE — Mortgage banking enterprise
CSEMO — Corporate Senior Executive Management Office
A/O — Administrative Offices
CDS — Credit default swaps
GSTP — Global System of Trade Preferences
ERTA — Economic Recovery Tax Act
RMBS — Residential mortgage backed securities
CFOC — Chief Financial Officers Council
OOH — Occupational Outlook Handbook
BIMS — Business Information Management Suite
IAS — International Accounting Standards
UNDCP — United Nations International Drug Control Programme
COLI — Cost of Living Index
ITARS — IT Acquisition Request System
FSR — Financial Strength Rating
UMB — United Missouri Bank
LCL — Less than Carload Lot
COFI — Cost of Funds Index
NRMLA — National Reverse Mortgage Lenders Association
CPDO — Constant Proportion Debt Obligation
HRIS — Human Resources Information System
UNOMSA — United Nations Observer Mission in South Africa

UNRISD — United Nations Research Institute for Social Development
AFN — Annual Funding Notice
FAME — Facilities Maintenance Engineering
NPL — Nonperforming loan
USD — US Dollars
CBI — Compliance and Business Integrity
ODF — OpenDocument Format
MHPA — Mental Health Parity Act of 1996
CIPP/G — Certified Information Privacy Professional/Government
ITOC — Information Technology Oversight & Compliance
CPP — Cost Per rating Point
CSD — Commission for Social Development
LOC — Letter of Comment
SFAS — Statements of Financial Accounting Standards
CAT — Commercial Activity Tax
GSR — General Securities Representative
IRP — Industry Risk Premium
BAA — Business Associate Agreement
CCC — Cost Containment Center
ITLO — Information Technology Logistics Office
UNIDO — United Nations Industrial Development Organization
CPHR — California Professional in Human Resources Certification
BPO — Bargain Purchase Option
OFCCP — Office of Federal Contract Compliance Programs
DNAMTI — Distributable Net Alternative Minimum Taxable Income
VAL. — Value
PEG — Price to Earnings Growth
ACFR — Advisory Committee on Fishery Research
GMP — Guaranteed Maximum Price
UNAFRI — United Nations African Institute for the Prevention of Crime and the Treatment of Offenders
KSA — Knowledge Skills or Abilities
MHAEA — Mental Health and Addiction Equity Act
USC — United States Code
EPPA — Employee Polygraph Protection Act
VUL — Variable Universal Life
PA — Public Accountant
TCDC — Technical Cooperation among Developing Countries
ALA — American Legion Auxiliary
VWAP — Value Weighted Average Price
EIC — Earned Income Tax Credit
IAAS — Infrastructure as a Service
UNDG — United Nations Development Group
CRM — Credit Risk Management
DK — Dorling Kindersley
ALC — Agency Location Code
SDNP — Sustainable Development Networking Programme
PERAB — President's Economic Recovery Advisory Board
SE — Salaried Exempt
QE — Quarter Ending
NE — Non-Exempt

PCE — Private Commercial Enterprise
BPO — Business Process Optimization
UNSC — United Nations Security Council
PCM — Percentage-of-completion method
AR — Architecture Requirements
KSA — Knowledge, Skills, Abilities
UNHSP — United Nations Human Settlements Programme
SMI — Supplemental Medical Insurance (US Medicare Part B)
GIST — Graphics and Intelligence based Script Technology
FACHE — Fellow in American College of Healthcare Executives
AGFFA — Advisory Group on Financial Flows to Africa
GAAC — Government Accounting and Auditing Committee
CCP — Collateralized commercial paper
QJSA — Qualified Joint and Survivor Annuity
DSW — Discount Shoe Warehouse
QME — Qualified Medical Examiner
GPHR — Global Professional in Human Resources
DUS — Dollar Unit Sampling
LAC — Division for Latin America and the Caribbean
ICC — International Chamber of Commerce
VEVRA — Vietnam-Era Veterans Readjustment Act
CIK — Central index keys
CHFC — Chartered Financial Consultant
PBM — Pharmacy Benefits Management (or Manager)
NRI — Net Rising Index
FCCPA — Federal Consumer Credit Protection Act of 1968
ASB — Auditing Standards Board's
SWT — State witholding tax
DOT — Dictionary of Occupational Titles
CAPP — Cash Account Pension Plan
SPE — Senior Procurement Executive
TALF — Term Asset-Backed Securities Loan Facility
UNOHCI — United Nations Office of the Humanitarian Coordinator for Iraq
UNMEE — United Nations Mission in Ethiopia and Eritrea
FMRR — Financial Management Rate of Return
UNMIBH — United Nations Mission in Bosnia and Herzegovina
UNCDF — United Nations Capital Development Fund
ACRB — Architectural Change and Review Board
CC — Copy To
BAN — Bank anticipation notes
CCPA — Consumer Credit Protection Act
FWCW — United Nations Fourth World Conference on Women
ITEAM — Information Technology Enterprise Architecture Management
SAMS — Systemic Advocacy Management System
CSVLI — Cash surrender value life insurance
DBPP — Defined Benefit Pension Plan
VXML — Voice eXtensible Markup Language
B2C — Business to Citizen
E/M — Evaluation and Management
DR. — Debit

DTCC — Depository Trust & Clearing Corp
BNIB — Business Needs and Investment Board
SITC — Standard International Trade Classification
BSNL — Bharath Sanchar Nigam Limited
QWL — Quality of Work Life
UNPROFOR — United Nations Protection Force (in Former Yugoslavia)
BV — Book value
IAG — International Auditing Guidelines
DNA — Distributed Internet Application Architecture
AGGG — Advisory Group on Greenhouse Gases
LEI — Leading Economic Indicators
FLP — Family Limited Partnership
SSBIC — Specialized Small Business Investment Company
ARD — Actual retirement date
SS — Safety Stock
MDIB — Minimum Distribution Incidental Benefit
DPSP — Deferred Profit Sharing Plan
CFBT — Cash flow before taxes
COPICS — Communication Oriented Production and Information Control System
EMV — Europay, Master Card and Visa
PVT — Persons Viewing Television
DRC — Deficit Reduction Contribution
NBIA — National Business Incumbation Association
MW — minimum weight
UNOMIL — United Nations Observer Mission In Liberia
SME — Small- to medium-sized entities
TPD — Third-party designee
GAAFR — Governmental Accounting, Auditing, and Financial Reporting
MSER — Multi-state Employer Registration
IUC — Information Unit for Conventions
CCS — Care Coordination Services
UNAIDS — Joint United Nations Programme on HIV/ Acquired Immune Deficiency Syndrome
BPO — Broker Price Opinion
BQ — Best Qualified
ASBL — American Small Business League
CSI — Commissioners Standard Industrial Mortality Table
SBJPA — Small Business Job Protection Act of 1996
OIS — Overnight Index Swaps
SRO — See Self-Regulatory Organization
UNAVEM — United Nations Angola Verification Mission
FERS — Federal Employees Retirement System
FECA — Federal Employer’s Compensation Act
PL/PD — Personal liability/property damage
ILC — Industrial Loan Company
CBD — Chief Benefits Director
PH.D. — Doctorate Of Philosophy
HRCI — Human Resource Certification Institute
ICE — Internal control evaluation
PMV — Private Market Value
UNSO — United Nations Sudano-Sahelian Office

WCP — World Climate Programme (WMO/ICSU)
EECB — Executive E-mail Carpet Bomb
DIMA — Division of Information Management and Analysis
UNTEA — United Nations Temporary Executive Authority
DEC — Deductible voluntary employee contributions
QNEC — Qualified nonelective contributions
WARN — Worker Adjustment and Retraining Notification Act of 1988
AC — Associate Chief of Staff
MSRB — Municipal Securities Rulemaking Board
CEIS — Corporate Executive Information System
PTSD — Post Traumatic Stress Syndrome
VOSB — Veteran-Owned Small Business
CFO — Chief Financial/Fiscal Officer
CCR — Central Contractor Registeration
UNTAET — United Nations Transitional Administration in East Timor
SMP — Special Multiperil Policy
LCD — Labor Cost Distribution
HR — Human Rights's
NRD — Normal Retirement Date
RFM — Rcency, Frequency, Monetary Analysis
CSP — Certified Speaking Professional
NIB — New In the Box
CHS — Commission on Human Settlements
WMU — World Maritime University
NSTP — National Society of Tax Professionals
ZAW — Zero Administration for Windows
MMC — Money market certificate of deposit
SIC — Standard industrial clssification
BEIT — Business Enterprise Income Tax
QCR — Quarterly Contributions Report
WCC — World Climate Conference
CAO — Contract Administration Office
UNOMSIL — United Nations Observer Mission in Sierra Leone
CBC — Community Based Outpatient Clinic
SDE — Service Delivery and Engineering
CTFA — Certified trust & financial advisor
EDA — Economically Depressed Area
JVC — Japan's Victor Company
CTI — Computer/Telephone Integration
UNDHL — United Nations Dag Hammarskjölds Library
UNIPTF — United Nations International Police Task Force
FRN — Floating rate notes
ND — Network Director
UI — Unemployment Insurance
SSNVS — Social Security Number Verification System
XML — Extended Markup Language
CO — Compliance Officer
LLIC — Limited liability investment company
PM PAR — Program Management Policy, Assessment, and Reporting
WRAEA — Workforce Reinvestment and Adult Education Act

COSVA — Chief of Staff
EBS — Employee Benefits Security
BKPR — Be Kind, Please Rewind
BET — Business entity tax
ICS — Information Centres Services
IPMA — International Personnel Management Association
SST — Streamline Sales and Use Tax Agreement
AAA — Authentication, Authorization & Access
DUSB — Deputy Undersecretary for Benefits
CTI — Category, Type, Item
ALBRS — Automated Lending and Borrowing in Rolling Settlement
PCS — Post-contract customer support
GEENET — Global Environmental Epidemiology Network
ACII — American Association of Individual Investors
CODI — Cancellation of Debt Income
ICSAB — International Civil Service Advisory Board
ASSE — American Society of Safety Engineers-Professional
SOV — Share Of Voice
MTB — Motor transportation broker
CBO — Chief Business Office
PCE — Pre-existing Condition Exclusion
D2D — Developer to Developer
PBA — Pending bank approval
ADAS — Associate Deputy Assistant Secretary
IDS — Income Deposit Securities
AA — Average Audience
IAB — Internet Advertising Bureau
CFS — Committee on World Food Security
AUI — Auxiliary Unit Interface
RFB — Request For Bid
NC — National Cemetery
IAF — Inflation Adjustment Factor
ECN — Electronic Communications Network
NFIB — National Federation of Independent Business
CESCR — Convention on Economic, Social and Cultural Rights
ALBCC — Account Level Budget Cost Center
MEC — Minimum essential coverage
PFK — Pay-for-knowledge-and-skills plans
ODCF — Owner's Discretionary Cash Flow
SECL — Secretarial
CEHIST — Center for Evaluation of Healthcare Information Systems & Technology
PUT — Persons Using Television
EDI — Electronic Date Interchange
SCP — Sustainable Cities Programme
ICRA — Investment Information and Credit Rating Agency
SP — Strategic Plan
WST — Waste Systems and Transportation
CBFA — Committee on Budget, Finance and Administration
SLA — Supplemental Lease Agreements
FSA — Flexible Spending Arrangement

RDC — Remote Deposit Capture
DOCO — Development Operations Coordination Office
UNOG — United Nations Office at Geneva
COD — Country Operations Division
DAP — Direct Access Program
PDM — Program Decision Maker
UNFSTD — United Nations Fund for Science and Technology for Development
GEM — Growing Equity Mortgage
TN — Temporary Visa
HARP — Home Affordable Refinance Program
FAAS — Financial Assurance and Accountability Standards
ESAF — Enhanced Structural Adjustment Facility
STF — Summary Tape File
USCIS — US Citizenship and Immigration Services
CEIT — Comprehensive business income tax
NCCUSL — National Conference of Commissioners on Uniform State Laws
WIDER — United Nations University World Institute for Development Economics Research
QTIP — Qualified Terminable Interest Property
ITC — International Trade Center
UN-NADAF — United Nations New Agenda for the Development of Africa in the 1990s
OSDBU — Office of Small and Disadvantaged Business Utilization
IDS — International Development Strategy
HQS — Housing Quality Standards
DEFRA — Deficit Reduction Act
NABARD — National Bank for Agricultural and Rural Development
ATNOLD — Alternative Minimum Tax Net Operating Loss Deduction
OP — Order Point
FOF — Fund of Funds
INCB — International Narcotics Control Board
C&P — Compensation & Pension
OCBOA — Other Comprehensive Basis of Accounting
GINA — Genetic Information Nondiscrimination Act of 2007
BB — Base Benefits
MDA — Market development funds
FLC — Foreign Labor Certification
APIC — Additional paid-in capital
NRA — Normal Retirement Age
UNIPOM — United Nations India-Pakistan Observation Mission
OES — Occupational Employment Statistics
BAT — Bureau of Apprenticeship and Training
CCAQ(PER) — Consultative Committee on Administrative Questions (Personnel and General Administrative Questions)
KFC — Kentucy Fried Chicken
CPD — Comprehensive Programme on Disarmanent
TOFC — Trailer On Flat Car
LTC — Long-Term Care
JECFA — Joint Expert Committee on Food Additives
UNL — Universal Networking Language
NFFE — Nonfinancial foreign entity
UNYOM — United Nations Yemen Observation Mission
CCR — Central Contracting Registry

UNOGBIS — United Nations Peace-Building Support Office in Guinea-Bissau
DESA — Department of Economic and Social Affairs
NAP — Noninsured Crop Disaster Assistance Program
LT — Lost Time
PWBA — Pension and Welfare Benefits Administration
CRSR — Congressional Research Service Report
LDC — Low Death Conflict
UNDAW — United Nations Division for the Advancement of Women
LRO — Labor Relations Officer
SECA — Self-Employment Contributions Act
L/V — Loan-to-value ratio
SBBA — Sales and Buy-Back Agreement
FTR — family tracing and reintegration
ODDS — Online Data Delivery System
UNSD — United Nations Statistic Division
NACM — National Association of Credit Management
TEA — Transportation Efficiency Act
DRPC — Division for Resources Planning and Coordination
UNMOGIP — United Nations Military Observer Group In India & Pakistan
CCOP — Coordinating Committee for Coastal and Offshore Geoscience Programmes in East and South East Asia
CPCU — Chartered property and casualty underwriter
GEMS — Global Environment Monitoring System
NSBA — National Small Business Association
IFUP — International Forum on Urban Poverty
SCIN — Self-canceling installment note
EEOICPA — Energy Employee Occupational Illness Compensation Program Act
CISC — Common Instruction Set Computer
ECDC — Economic Cooperation Among Developing Countries
TILA — Truth In Lending Act
PEC — Potential earnings converted
SEI — Software Engineering and Integration
NUA — Net Unrealized Appreciation
IEC — Inter Exchange Carrier
CSPN — College Savings Plan Network
SDA — Self-directed brokerage account
CSP — Cyber Security Professional
ZEN — Zero Engine Noise
IFOR — Implementation Force
SAC — Strategic Acquisition Center
HAFA — Home Affordable Foreclosure Alternative program
UNDC — United Nations Disarmament Commission
FEP — Fair employment practice
ISBA — International Seabed Area
PE — Price to Earnings Ratio
VOB — Veteran-Owned Business
DBA — Davis-Bacon Act
FUNSA — Federation of Staff Association of the United Nations and its Specialized Agencies
BIOLAC — United Nations University Programme for Biotechnology in Latin America and the Caribbean
MOD — Manufacturing on demand
JCT — Joint Committee on Taxation

SYD — Sum-of-the-years-digits
ITC — International Training Centre
NQPS — Nonqualified preferred stock
RET — Retirement earnings test
QTD — Qualified Total Distribution
GWAC — Government Wide Acquisition Contract
HVCC — Home Valuation Code of Conduct (mortgage and appraisal industry)
TP — Technical Proposal
EOSG — Executive Office of the Secretary-General
LMA — Labor Market Area
WCB — Workers Compensation Board
PIPE — Public investment in private equity
CCSQ — Consultative Committee on Substantive Questions
SRO — Self Regulatory Organization
CRPC — Chartered Retirement Planning Counselor
SNT — Supplemental Needs Trust
TA — Technical Advisers
TVI — Trade Value Index
FSP — FASB Staff Position
SLSMN — Salesman
CPS — Core Products and Services
PWD — Prevailing Wage Determination
SVNGS — Savings
SBRB — Small Business Research Board
VWAP — Volume-weighted average price
UNIDIR — United Nations Institute for Disarmament Research
CO — Contracting Officer
UNCA — United Nations Correspondents Association
I&A — Interest and amortization
DME — Development/Maintenance/Enhancement
IRMAA — Income Related Medicare Adjustment Amount
EB — Extended Benefits
UNOGIL — United Nations Observation Group In Lebanon
SLA — Share lending agreement
CPTAL — Capital
PERC — Premiums, earnings and reasonable charges
USCIS — U.S. Citizenship and Immigration Service
DTP — Data Transfer Program
RJP — Realistic Job Preview
COS — Cost of sales
GRC — Goverance, risk and compliance
ELI — Equity Linked Investments
QR — Quarterly Report
WPP — Wire and Plastic Products
SHD — Sustainable Human Development
ACLI — American Council of Life Insurance
LR — Labor Relations
NCO — Net chargeoffs
UNEP-IE — United Nations Environment Programme Industry and Environment Centre
FMOC — Federal Open Market Committee

ULPA — Uniform Limited Partnership Act
IDB — Industrial Development Bond
PCA — Permanent Court of Arbitration
ATNOL — Alternative Minimum Tax Net Operating Loss
D/L — Demand loan
XRA — Expected Retirement Age
OR — Operating revenue
WGEID — United Nations Working Group on Enforced or Involuntary Disappearances
FASIT — Financial asset securitization investment trusts
SITW — State income tax withholding
AMCD — Audit and Management Consulting Division
UNCRD — United Nations Centre for Regional Development
FPO — Fruit Products Order
GAS — Governmental Accounting Standards
TEA — Technology-enabled auditing
UDR — Unused development rights
JAN — Job Accommodation Network's
SMB — Small- to medium-sized business
TAA — Trade Adjustment Act
IHRIM — International Association of Human Resource Information Management
OSBDU — Office of Small and Disadvantaged Business Utilization
UB — Unsafe Buildings
FOK — Fill-or-kill order
SPHR — Senior Professional Human Resources
T&E — Travel & Entertainment
ILM — Industrial Light and Magic, Inc.
OEL — Offshore Employee Leasing
UNTAC — United Nations Transitional Authority in Cambodia
UNMIH — United Nations Mission In Haiti
T/B — Trial balance
CONGO — Conference on Non-Governmental Organizations
GTC — Good Till Canceled Order
SDVOB — Service-disabled veteran owned business
WST — Waste Spare Time
HB — House B ill
PDA — Public Displays of Affection
OHR — Office of Human Resources
LTI — Lead Time Interval
MSPR — Medicare Secondary Payer Rules
DI — Debt instrument
OAR — Overall Rate Of Return
NATP — National Association of Tax Professionals
SJ — Sales Journal
DFS — Dancer Fitzerald Sample
IDB — Industrial Development Board
TPS — Transaction processing services
UNSMIH — United Nations Support Mission In Haiti
NOLD — Net Operating Loss Deduction
ULP — Unfair Labour Practices
SSARS — Statement on Standards for Accounting and Review Services

AGFUND — Arab Gulf Programme for United Nations Development Organizations
FBAR — Foreign Bank & Financial Account
SAAR — Seasonally Adjusted Annualized Rate
FIRPTA — Foreign Investment in Real Property Tax Act
DDB — Doyle Dane Bernbach
CPR — Committee of Permanent Representatives
CALS — Continuous Acquisition Lifecycle Support
TIFF — Tagged Interface File Format
NFTC — National Foreign Trade Council, Inc.
GNC — General Nutrition Centers
ZEBRA — Zero-balance reimbursement account
DOBI — Department of Defense Instruction
USENET — USEr NETwork
IGE — Intergovernmental Group of Experts
SMES — Small- and medium-scale enterprises
CHRC — Canadian Human Rights Commission
SSD — Specialist Services Division
CCAQ(FB) — Consultative Committee on Administrative Questions (Financial and Budgetary Questions)
UR — Unemployment Rate
GCT — General Corporation Tax
BPC — Budget Priority Committee
RRM — Renegotiated-Rate Mortgage
CCISUA — Coordinating Committee of International Staff Unions and Associations of the United Nations System
SOBO — Small Office Business Office
ECM — Energy Conservation Measures
SBIR — Small Business Innovation and Research
MAT — Minimum Alternative Tax
SEPHA — Special Emergency Programme for the Horn of Africa
VBA — Veterans Benefit Administration
LLDIE — Limited life debt investment entity
USM — Unlisted Securities Market
PCB — Programme Coordination Board
LLTC — Limited liability trust company
SLE — Single lease expense
CWHSSA — Contract Work Hours and Safety Standards Act
NASDR — National Association of Securities Dealers Regulation
USRPHC — U.S. real property hodling corporation
KMI — Key Man Insurance
LTCG — Long-term capital gain
SPD — Division for Special Programmes Development
SEDR — Systems Engineering and Design Review
UNPD — United Nations Procurement Division
BPA — Blanket purchase authoriation
CCPISA — Convention on the Privileges and Immunities of the Specialized Agencies
WBC — Women Business Center
IAS — United Nations University Institute of Advanced Studies
NAO — National Administrative Offices
DSPD — Division for Social Policy and Development
TPRB — Trade Policy Review Body
ODCCP — United Nations Office for Drug Control and Crime Prevention

SSTP — Streamlined Sales Tax Project
GAW — Guaranteed Annual Wage
LMI — Lender's mortage insurance
UNMACC — United Nations Mine Action Coordination Centre
B2C — Business to Comerce
EBSA — Employee Benefit Security Administration's
WDC — Workforce Development Center
CRA — Credit Rating Agency
IMRO — Investment Management Regulatory Organisation
MF — Medical Facilities
STIP — Short-Term Industry Projections
BCBS — Blue Cross/Blue Shield
EAP — Employee Assistance Plan
BDC — Business Development Council
CFPB — Consumer Finance Protection Bureau
SGML — Standard Generalised Markup Language
R/E — Retained earnings
HCSA — Health Care Spending Account
LTD — Long Term Insurance
CPK — Cost Per Keyword
CTJ — Citizens for Tax Justice/Institute on Taxation and Economic Policy
NAVA — National Association for Variable Annuities
UNLTC — United Nations Military Liaison Team in Cambodia
GAGAS — Generally Accepted Government Accounting Standards
MSPA — Migrant and Seasonal Agriculture Worker Protection Act
WHYCOS — World Hydrological Cycle Observing System
CSO — Cyber Security Office
ETR — United Nations Education and Training Programme
NST — National Sales Tax
TUR — Total Unemployment Rates
MTNL — Mahanagar Telephone Nigam Limited
DITE — Division on Investment, Technology and Enterprise Development
FPM — Flexible Payment Mortgage
ING — Internationale Nederlanden Group (a Financial Company)
UNOSOM — United Nations Operation in Somalia
MACC — Mine Action Coordination Centre
CIP — Capital Investment Process
OASI — Old Age Survivors Insurance
BRB — Benefit Review Board
HAC — Health Administration Center
FYE — Fiscal year ended
RO&IC — Regional Office and Insurance Center
SR — Systems Redesign
IMFL — Indian-Made Foreign Liquor
NIPA — National income and product accounts
RA — Resident Alien
EPLI — Employment Practices Liability Insurance
NOIDA — New Okhla Industrial Development Authority
ORD — Office Of Research And Development (USEPA)
MFST — Manifest

ISMUN — International Student Movement for the United Nations
FEP — Fair Employment Practices
LTP — Long-Term Plan
UNMOP — United Nations Mission of Observers in Prevlaka
FEI — Financial Executives Institute
AETF — African Emergency Task Force
FCA — Division for Finances, Control and Administration
DCM — Department Cost Manager
BRM — Business Relationship Meeting
UNMO — United Nations Military Observers
CSCIS — Computer Software Configuration Items
NABE — National Association for Business Economics
CHRC — Criminal History Records Check
BCAG — Business Community Advisory Group
COAS — Clinical Observation Access Control
CCSQ(PROG) — Consultative Committee on Substantive Questions (Programme Matters)
DSPE — Deputy Senior Procurement Executive Known
ECS — Enterprise Class Storage
ASHHRA — American Society for Healthcare Human Resources Administration
DPGA — Deferred Payment Gift Annuity
SWA — State Workforce Agencies
CFIA — Competency Framework for Internal Auditing
USOA — Uniform system of accounts
RMA — Restricted management account
BAB — Build America Bonds
NAWW — National Average Weekly Wages
PBGC — Pension Benefit Guarantee Corporation
FAC-C — Federal Acquisition Certification in Contracting
COMP. — Item given for free
QIE — Domestically controlled qualified investment entity
UNIC — United Nations Information Centre
FALD — United Nations Field Administration and Logistics Division
NAALC — North American Agreement on Labor Cooperation
IQPA — Independent Qualified Public Accountant
AFSCME — American Federation of State, County and Municipal Employers
BEST — BrihnanMumbai Electric Supply and Transport
SBL — Small Business Liaisons
UNFALD — United Nations Field Administration and Logistics Division
HTTP — Hyper Text Transport Protocol
OIS — Occupations Information System
UNIS — United Nations International School
CDR — Centre for Documentation and Research
CEOSH — Center for Engineering & Occupational Safety and Health
AWL — Actual Wage Loss
CCHR — Canadian Council on Human Resources
CSUM — Common Security User Manager
SBO — Small Business Ombudsman
NMHPA — Newborns’ and Mothers’ Health Protection Act
CBHCO — Community-Based Health Care Organization
IIST — United Nations University International Institute for Software Technology

WHCRA — Women’s Health and Cancer Rights Act of 1998
COAG — Committee on Agriculture
B/A — Basic Agreement
CUNA — Credit Union National Assocation
VPT — Volume Price Trend
CPI-U — Consumer Price Index for All Urban Consumers
HST — Health Statistics
USPAP — Uniform Standards of Professional Appraisal Practice
UNPF-HQ — United Nations Peace-Force Headquarters
UMTS — Universal Mobile Telephone System
NIC — Newly Industrialized Countires
USRPI — U.S. real property interest
BREP — Business Requirements Engineering Process
VRP — Variable Rate Premium
NAHB — NATIONAL ASSOCIATION OF HOMEBUILDERS
NPA — National Plans of Action
CFRS — Carry Forward in Rolling Settlement
UNMA — United Nations Mission in Angola
IFEBP — International Foundation of Employee Benefit Plans
EOLI — Employer owned life insurance
BA — Business Architecture
LDP — Last Day Paid
IETC — International Environmental Technology Centre
IPDC — International Programme for the Development of Communications
SPFS — Special Programme for Food Security
PL — Profit and Loss
CLO — Collaterialized loan obligation
PPA — Pension Protection Act of 1987
UNFIP — United Nations Fund for International Partnerships
TAC — Technology Assessment Committee
MAG — Mine Advisory Group
VWPX — Volume Weighted Price Uncrossing
CVE — Center for Verification and Evaluation
NDNH — National Directory New Hires
EAO — Executive and Administrative Office
SIA — Securities Industry Act of 1983
YSP — Yield-spread premium
ATP — Acquisition Training Program
SIU — Sets In Use
BPO — Budget process outsourcing
TOM — Traded Options Market
PBC — Programme and Budget Committee
DM — Department of Management
AFROWHO — Regional Office for Africa
SSM — Software Service Manager
GIWA — Global International Waters Assessment
TRD — Trade Relations Division
SBI — Site Build It
CDP — Committee for Development Policy
TOE — Time is of the essence

NBER — National Bureau of Economic Research
NEO — New and Emerging Occupations
TCPC — Technical Committee for Programme and Coordination
SRPM — Stated Redemption Price at Maturity
USPTO — U.S. Patent and Trademark Office
OIP — Office of the Iraq Programme
HR — Headquarters Regulation
DUZ — Designated User
UNICC — United Nations International Computer Centre
SDCF — Sellers Discretionary Cash Flow
GPML — Global Programme Against Money Laundering
GAP — Gross amount paid
CSA — Common Services Architecture
CFTA — Currency and Foreign Transaction Act
EAT — Exchange Accommodation Titleholder
N/P — Note payable
WCC — Working capital cycle
RIPA — Retirement Income Policy Act
IM/DQ — Identity Management/Data Quality
CBRS — Currency banking and retrieval system
PFA — Platform for Action
VLI — Variable Life Insurance
UNTMIH — United Nations Transitional Mission in Haiti
XUL — eXtensible UserInterface Language
HRLY — Hourly
CCD — Centralized Contracting Division
INRA — United Nations University Institute for Natural Resources in Africa
NTU — National Taxpayer's Union
DWC — Division of Workers Compensation
INTECH — United Nations University Institute for New Technologies
UNCJIN — United Nations Crime and Justice Information Network
SBLF — Small Business Lending Fund
QREC — Quality Review Executive Committee
FASAC — Financial Accounting Standards Advisory Committee
OEBS — Office of Employee Benefits Security
USTC — United States Tax Court
IBD — Investors Business Daily
OER — Owner's equivalent rent
NCAER — National Council for Applied Economic Research
WIA — Workforce Investment Act
GAO — General Accountability Office
ODPR — Office for Displaced Persons and Refugees
URLA — Uniform Residential Loan Application
IMPACT — Inventory Management Program and Control Techinques
PAHO — Pan American Health Office/Regional Office for the Americas of the WHO
KMI — Knowledge Management Initiative
VRM — Variable Rate Mortgage
EMIF — Emerging Issues Task Force
OUSG — Office of the Under Secretary General
CCSQ(OPS) — Consultative Committee on Substantive Questions (Operational Activities)

DBM — Disruptive Behavior Management
TARP — Troubled Assets Relief Program
MPPAA — Multiemployer Pension Plan Amendments Act
B&P — Budgeting & planning
XFRML — XML based Financial Reporting Markup Language
IREA — Intermountain Rural Electric Association
JRPU — Joint Reintegration Programming Unit
PPIP — Public-Private Investment Program
BLBA — Black Lunch Benefits Act
IAG — International Advisory Group
NRV — Net recoverable value
IACWGE — Inter-Agency Committee on Women and Gender Equity
HEP — Humanitarian Evacuation Programme
DBIA — Database Integration Agreement
VCL — Vacancy and collection losses
BSAD — Baseline System Architecture Document
DR — Direct Response
WRKR — Worker
FABS — Financial and Business Solutions
GIPS — Global Investment Policy Standards
SPX — Standard and Poor’s Index
RDMHQ — Rapidly Deployable Mission Headquarters
TRD — Transfer of Development
USITC — U.S. International Trade Commission
GPRS — General Packet Radio System
OTI — OSHA Training Institute
LBO — Limited Buyout
OHCA — Organized Health Care Arrangement
BNI — Business Needs and Investment
EMA — Expense Management Automation
SFI — Six-Figure Income
FELA — Federal Employment Liability Act
GST — Generation-Skipping Transfer
DBB — Design-bid-build
IEFR — International Emergency Food Reserve
POC — Pacific Operations Centre
UNIS — United Nations Information Service
EBO — Equity buy out
NAEA — National Association of Enrolled Agents
PRP — Potentially Responsible Party (Superfund)
VBIA — Veterans Benefits Improvement Act of 2004
IPECILO — International Programme for the Elimination of Child Labour
TDB — Trade and Development Board
SE&I — Software Engineering & Integration
PE — Pass-through entity
EBP — Employee Benefits Plan
CPK — California Pizza Kitchen
NHCE — Non-Highly Compensated Employee
CAMPS — Cumulative Auction Market Preferred Stock
ICFY — International Conference on the Former Yugoslavia

MINX — Multimedia Information Network Exchange (system)
PRA — Paperwork Reduction Act of 1980
NAPAT — National Association for Private Annuity Trusts
UFW — United Farm Workers
PPBD — Programme Planning and Budget Division
JEEP — Joint Ethics Enforcement Plan
MSFW — Migrant and Seasonal Farm Worker
OALC — Office of Acquisition, Logistics, and Construction
PE — Printer Error
PD — Procurement Division
HPS — Headquarters Procurement Section
HRC — Historic Rehabilitation Credit
IOLTA — Interest on Lawyer's Trust Account
STOLI — Stranger-originated life insurance
HCIP — Harmonized Index of Consumer Pricing
OSDC — Over/Short/Damage/Claims
DBIC — Data Base Integration Committee
B/S — Benefits/Services
SEES — Survey Evaluation Exam System
BLESS — Borrowing and Lending Securities Schemes
COBRA — Common Object Request Broker Architecture
SUB — Supplemental Unemployment Benefit
AIR — Assumed Investment Rate
BIRLS — Beneficiary Identification Records Locator Subsystem
VEEP — Village Employment and Environment Programme
NYMEX — New York Metal Exchange
TWAIN — Toolkit Without an Interesting Name
BRSP — Bureau for Resources and Strategic Planning
CFP — Clinical Financial Planner
TPA — Technical Practice Aide
NBB — New Belgium Brewery
PJ — Purchases journal
JSSA — Jury Selection and Service Act
UNMAS — United Nations Mine Action Service
FCIC — Financial Crisis Inquiry Commission
ZBA — Zero-Balance Account
HUT — Households Using Television
UNPAAERD — United Nations Programme of Action for African Economic Recovery and Development
HMO — Health Maintenance Organisation
FSB — Fortune Small Business
PCNICC — Preparatory Commission for the International Criminal Court
DDB — Deemed death benefit
UNRCPDA — United Nations Regional Centre for Peace and Disarmament in Africa
D/N — Demand note
CDARS — Certificate of Account Registry Service
RPO — Recruitment process outsourcing
IMC — Integrated Market Communications
GEO — Global Environment Outlook Report
EPLI — Employee practices liability insurance
HRIS — Human Resources Information Service

SUTCDC — Special Unit for Technical Cooperation Among Developing Countries
IASA — Internation Air Shipper's Association
DRM — Division for Resources Mobilization
CARDS — Custom Adjustable Rate Debt Structure
DST — Delaware stautory trust
IUR — Insured Unemployment Rates
DSRSG — Deputy Special Representative of the Secretary-General
SOIR — Schaeffer Open Interest Ratio
SIPA — Securities Investment Protection Act
DI — Derivative instrument
WCDMP — World Climate Data and Monitoring Programme
CEFU — Continuing Education Field Unit
COSG — Collaborative Opportunities Steering Group
LAUS — Local Area Unemployment Statistics
UNARDOL — United Nations Assistance for the Reconstruction and Development of Lebanon
FUA — Federal Unemployment Account
NCAO — National Cemetery Area Office
INWEH — United Nations University International Network on Water, Environment and Health
NSDL — National Securities Depository Limited
PBSI — Performance Based Salary Increase
UNRFNRE — United Nations Revolving Fund for Natural Resources Exploration
GLSO — Group Legal Services Organization
POD — Professional & Organizational Development
ECS — Event Capture System
MQT — Medicaid Qualifying Trust
SPDC — Special Political and Decolonization Committee
IBDOEI — Income before discontinued operations and extraordinary items
HRI — Human Rights Instruments
IPI — Industrial Protection Index
ITARP — IT Activity Resource Proposal
UNGEGN — United Nations Group of Experts on Geographical Names
GWG — Gender Working Group
EPAU — Evaluation and Policy Analysis Unit
SDC — System Development Center
OTR — Office of Thrift Supervision
MVI — Mini Vacations Incorporated
ROLAC — Regional Office for Latin America and the Carribean
PIU — Public Inquiries Unit
WST — Waste Science and Technology
NVCA — National Venture Captial Association
PPBA — Office of Programme Planning, Budget and Accounts
SMF/LDC — Special Measures Fund for the Least Developed Countries
COFO — Committee on Forestry
WOSB — Woman-Owned Small Business
VAMC — Va medical center
VAAR — Department of Veterans Affairs Acquisition Regulation
UNSF — United Nations Security Force in West New Guinea
OHRM — Office of Human Resources Management
PKO — Peace-Keeping Operation
POB — Public Oversights Board

IIOP — Internet Inter operable ORB Protocol
ICDB — International Childrens' Day of Broadcasting
CIFR — Committee on Improvements to Financial Reporting
USERRA — Uniform Services Employment and Reemployment Rights Act
UNLB — United Nations Logistic Base
PEPPRA — Public Employee Pension Plan. Reporting and Accountability Act
VOC-ED — Vocational Education
FROI — First Report of Injury
UNPA — United Nations Postal Administration
SEBI — Securities Exchange Board of India
UNMOVIC — United Nations Monitoring, Verification and Inspection Commission
HDRO — Human Development Report Office
BKPR — Bookeeper
ERCI — Employee Relocation Council Institute
DC — Developed Countries
DGAACS — Department of General Assembly Affairs and Conference Services
SBLC — Small Business Legislative Council
IAPSO — Inter-Agency Procurement Services Office
HOW — Homeowner Warranty Plan
COFI — Committee on Fisheries
UNITES — United Nations Information Technology Corps of Volunteers
IPC — Integrated Programme for Commodities
LOW — Lack of Work
UNROAP — United Nations Regional Office for Asia and the Pacific
UNHQ — United Nations Headquarters
CRISIL — Credit Rating Investment Services India Limited
UNON — United Nations Office at Nairobi
VC — Veterans Center
TEUC — Temporary Extended Unemployment Compensation
POP — Point-of-purchase
BOY — Beginning of Year Violator
UNOL — United Nations Peace-Building Support Office in Liberia
UNPOB — United Nations Political Office in Bougainville
UNISTE — United Nations International Symposium on Trade Efficiency
KFOR — UN Kosovo Force
POPIN — United Nations Population Information Network
UNTOP — United Nations Tajikistan Office for Peace-Building
DITC — Division on International Trade in Goods and Services, and Commodities
DSD — Division for Sustainable Development
IPO — Incorporated to Provide
QANTAS — Queensland and Northern Territory Ariel Service
SOS — Switched On Schoolhouse
WWC — World Water Conferences
PTD — Procurement and Transportation Division
EBX — Electronics Boutique X
UNICPO — United Nations Open-ended Informal Consultative Process on Ocean Affairs
UNSMA — United Nations Special Mission to Afghanistan
UNOB — United Nations Office in Burundi
SARD — Sustainable Agriculture and Rural Development
ICDAIT — International Conference on Drug Abuse and Illicit Trafficing

MGIC — Mortgage Guarantee Insurance Company
IMF — International Monitary Fund
EBRI — Employee Benefits Research Institute
HRC — Health Resource Center
SEAROWHO — Regional Office for South-East Asia Region
JAIN — Joint American Indian Network
SOPAC — South Pacific group of countries
TSB — Targeted Small Business
PIRG — Public Interest Research Group
UNPA — United Nations Protected Area
UNTAG — United Nations Transition Assistance Group
STW — School-To-Work
UNOV — United Nations Office at Vienna
PATS — Planning, Architecture, Technology and Services
PPA — Paperwork Reduction Act
WPPDA — Welfare and Pension Plan Disclosure Act
PCPB — Post-Conflict Peace-Building
NRET — Non-Resident Withholding Tax
CWSP — College Work-Study Program
EHLP — Emergency Homeowners Loan Program
EPRS — Emergency Preparedness and Response Section
RCNYO — United Nations Regional Commissions New York Office
TAC — Technology Acquisition Center
BCUN — Business Council for the United Nations
SLOB — Separate lines of business
NVC — National Veterans Conference
UNREO — United Nations Rwanda Emergency Office
UNASOG — United Nations Aouzou Strip Observer Group
UNCRO — United Nations Confidence Restoration Operation in Croatia
JPAC — Joint Public Advisory Committee
FOIA — Freedome of Information Act
ULC — Uniform Law Commissioners
MRAM — Magnetic Random Access Memory
VBOP — Veterans Business Outreach Centers
SFO — Solicitatio for offers
CI — Control Item
SOYD — Sum-of-the-years-digits
FMSHA — Federal Mine and Safety Health Act
STAT — Statistical Division
CORTS — Corporate-backed trust securities
ESOT — Employee Stock Ownership and Trust
UNPF — United Nations Peace-Force
TOKTEN — Transfer of Knowledge through Expatriate Nationals
EPPG — Emergency Prevention and Preparedness Group
ECLAC — Economic Commission for Latin America and the Carebbean
STCG — Short-Term Capital Gain
WPOA — Wagner-Peyser Act
WPRO — Western Pacific Regional Office
SEPPAA — Single Employer Pension Plan Amendments Act
CT — Commercial Technology

NVSBC — National Veterans Small Business Conference
UNCPCJP — United Nations Crime Prevention and Criminal Justice Programme
LPA — Local Plans of Action
UNGCI — United Nations Guards Contingent in Iraq
UNTSO — United Nations Truce Supervision Organization
CSBU — Center for Small Business Utilization
WFUNA — World Federation of UN Associations
VERONICA — Very Easy Rodent Oriented Netwide Index of Computer Archives
NGLS — United Nations Non-Governmental Liaison Service
UNTAES — United Nations Transitional Administration for Eastern Slavonia, Baranja and Western Sirmium
NSTA — National Securities Trade Association
CIMO — Commission for Methods of Observation
LTFP — Long-Term Financial Plans
MCFS — Modern Carry Forward System
UNOMA — United Nations Observer Mission in Angola
EMROWHO — Regional Office for the Eastern Mediterranean
PSR — Presentence report
VACO — VA Central Office
UNSC — United Nations Staff College
OAO — Office of Acquisition Operations
EFAST — ERISA Filing Acceptance System
LLET — Limited Liability Entity Tax
UNJSPB — United Nations Joint Staff Pension Board
UNIKOM — United Nations Iraq-Kuwait Observation Mission
POS — Point-of-sale
WARN — Worker Adjustment and Retraining Notification Act W&M
UNTPDC — United NationsTrade Point Development Centre
SIGHTWHO — Summary Information on Global Health Trends
UNGIWG — United Nations Geographic Information Working Group
WOTC — Workforce Opportunity Tax Credit
VETS — Veteran's Employment & Training Service
FSET — Federal State Employment Taxes
HEA — Health Enterprise Architecture
NVSBE — National Veterans Small Business Engagement
SROI — Subsequent Report of Injury
POP — Premium-Only Plan
QWI — Quarterly Workforce Indicators
ODS — Office of Develoment Studies
CIM — Corporate Information Model
WDCD — Intergovernmental Committee for the World Decade for Cultural Development
CORBAIIOP — CORBA Internet Inter ORB Protocol
LA — Labor Area
UNRRA — United Nations Relief and Rehabilitation Agency
ITAAC — IT Acquisition Advisory Council
INMARSAT — Convention on the International Mobile Satellite Organization
JIU — Joint Inspection Union
SERP — Systemwide Electronic Research Program
UNDOC — United Nations Documents Index
VWPT — Value Weighted Price Trading
PIP — Peace Implementation Programme

VOC-REHAB — Vocational Rehabilitation
BIMST-EC — Bangladesh India Myanmar Srilanka Thailand - Economic Council
UNAT — United Nations Administrative Tribunal
STD — Short-term Insurance
QPAM — Qualified Professional Asset Manager
NTFO — Nationwide Tax Forums Online
JUNIC — Joint UN Information Committee
OASG — Office of the Assistant Secretary-General
UNAMA — United Nations Assistance Mission to Afghanistan
OF — Office of Facilities
UNROD — United Nations Relief Operation in Dacca
TRIPS — Trade-Related Aspects of Intellectuel Property Rights
UNFICYP — United Nations Force in Cyprus
UNSSOD — United Nations General Assembly's Special Session on Disarmament
CIOFO — Chief Information Office Field Office
OCLA — Office of Congressional Legislative Affairs
NUSS — Nuclear Safety Standards
PPI — Division for Planning and Public Information
SRDC — Subregional Development Centre
UNTACDA — United Nations Transport and Communications Decade in Africa
BMVC — Baghdad Monitoring Verification Centre
EUROWHO — Regional Office for Europe
UNPOS — United Nations Political Office for Somalia
NPEP — National Poverty Eradication Plan
UNSIA — United Nations System-wide Special Initiative on Africa
UNGASS — Special Session of the General Assembly
VIP — Veteran Information Pages

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