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Business & Finance >> Business Word Abbreviations

Look through 2927 acronyms and abbreviations related to Business Word:

S.M.A.R.T — Specific, Measureable, Attainable, Realistic, Timely
SOX — Sarbanes-Oxley
CPOE — Computerized Physician Order Entry
BCWS — budgeted cost for work scheduled
AAO — Affirmative Action Officer
MNC — Multinational Corporation
DEPR. — Depreciation
RMA — Return Merchandise Authorization
TTL — Total
UM — Uninsured Motorist
FGM — Female Genital Mutilation
HCE — Highly Compensated Employee
B/E — Breakeven
ACR — Accrual
OSS — Open Source Software
BCWP — Budgeted Cost for Work Performed
CP — Contingency Plan
GLB — Gramm-Leach-Bliley Act
IGO — Intergovernmental Organization
CORELAP — Computerised Relationship Layout Planning
LAN — Local Area Network
DDB — Double-Declining-Balance
BFOQ — Bona Fide Occupational Qualification
FLSA — Fair Labor Standards Act
FOMC — Federal Open Market Committee
FMLA — Family Medical Leave Act
ETA — Estimated Time of Arrival
RAROC — Risk-Adjusted Return On Capital
HIPPA — Health Insurance Portability and Accountability Act
YTD — Year To Date
GPROI — Gross Profit Return on Investment
5S — Seiri, Seiton, Seiso, Seiketsu, Shitsuke
XML — Extensible Markup Language
CSR — Customer Service Representative
CRFB — Committe for Responsible Federal Budget
CAGR — Compound Annual Growth Rate
APR — Annual Percentage Rate
RFID — Radio Frequency Identification
O*NET — Occupational Information Network
CBPP — Center on Budget and Policy Priorities
ROM — Read-Only Memory
AFDC — Aid to Families with Dependent Children
ARPANET — Advanced Research Projects Agency Network (early internet)
FISMA — Federal Information Security Management Act
S&OP — Sales and Operations Planning
C-CPI-U — Chained Consumer Price Index for All Urban Consumers
KPMG — Klynveld Peat Marwick Goerdeler
DOB — Date Of Birth
U&C — Usual and customary
UNLTD — Unlimited

P.O.C. — Paid outside of closing
ANOVA — Analysis of Variance (statistics)
JC PENNEY'S — James Cash Penney
FTP — File Transfer Protocol
B-TO-C — Business to consumer
U.S.C. — United States Code
A.O.B. — Any other business
M-O-M — Month over month
B-TO-B — Business-To-Business
IPCC — Intergovernmental Panel on Climate Change (WMO and UNEP)
M.O.M. — Middle of the month
F/B/O — For benefit of
GEICO — Government Employees Insurance Company
P&Z — Planning & Zoning
DRIP — Dividend Reinvestment Plan
RCNLD — Replacement Cost New Less Depreciation
P.L. — Public Law
J/E — Journal entry
IDIQ — Indefinite Delivery, Indefinite Quantity
U.S. DOL — United States Department of Labor
UBTI — Unrelated Business Taxable Income
EGTRRA — The Economic Growth and Tax Relief Reconciliation Act of 2001
FDIC — Federal Deposit Insurance Corporation
ANSI — American National Standards Institute, Inc.
A/OPC — Agency/Organization Program Coordinator
CMO — Collateralized Mortgage Obligation
IT — Information Technology
W-A — Weighted average
C-CPI — Chained Consumer Price Index
ITEP — Institute on Taxation and Economic Policy
C.L.U.E. — Comprehensive Loss Underwriting Exchange
FAC-P/PM — Federal Acquisition Certification Program/Project Management
QDRO — Qualified Domestic Relations Order
O/S — Outstanding
EOQ — economic order quantity
A&MMS — Acquisition and Materiél Management Service
C.&F. — Cost and freight
PLS — Please
U.S. DOJ — United States Department of Justice
BGT — Budget
MPC — Marginal Propensity to Consume
FANNIE MAE — Federal National Mortgage Association (a privately owned corporation)
M.ED — Masters in Education
INC — Intergovernmental Negotiating Committee
BBS — Bulletin Board Service
HIPC — Heavily Indebted Poor Countries
IRC — Internet Relay Chat
E.O. — Executive Order
SSN — Social Security Number
I-TIPS — Information Technology Investment Portfolio System

LIFO — Last In, First Out
EBITA — Earnings before interest taxes depreciation amortization
WHO — World Health Organization
ATM — Automatic Teller Machine
A&MM — Acquisition and Materiél Management
OA&L — Office of Acquisition and Logistics
NFI — Net Financial Income
GATB — General Aptitude Test Battery
NAFEP — National Association of Financial and Estate Planning
VAGFE — VA-owned Government Furnished Equipment
OPT — Other People's Time
WAASE — Division for Western Asia, Arab States and Europe
NAFTA-TAA — NAFTA Transitional Adjustment Assistance
W/O — Without
E&IT — Electronic and Information Technology
RNFA — Return On Net Financial Assets
RFQ — Request For Quotation
AUP — Acceptable Use Policy
QCEW — Quarterly Census of Employment and Wages
AAA — American Automobile Association
RICO — Racketeer Influenced and Corrupt Organizations Act of 1970
AAA-CPA — American Association of Attorney-Certified Public Accountants
FLRA — Federal Labor Relations Authority's
FF&E — Furniture, Fixtures & Equipment
QC — Quality Control
IP — Internet Protocol
FIFO — First In, First Out
IACSD — Inter-Agency Committee on Sustainable Development
PPE — Personal Protective Equipment
FEMA — Federal Emergency Management Agency
CBD — Cash Before Delivery
COB — close of business (End of duty day)
LLC — Limited Liability Company
EAP — Employee Assistance Program
EDI — Electronic Data Interchange
COBRA — Consolidated Omnibus Budget Reconciliation Act of 1985
EDWOSB — Economically disadvantaged woman-owned business
LMRA — Labor Management Relations Act
CD — Certificate of Deposit
GSM — Global System for Mobile Communications
ATF — As Trustee for
KPI — Key Performance Indicator
SALY — Same As Last Year
GM — Gross Margin
GDP — Gross Domestic Product
UNESCO — United Nations Educational, Scientific and Cultural Organization
FTE — Full Time Equivalent
YUPPIE — Young Urban Professional
IRR — Internal Rate of Return
CCB — Change Control Board

ISP — Internet Service Provider
AA — Affirmative Action
BMW — Bayerische Motoren Werke (Bavarian Motor Works)
ACH — Automated Clearing House
BSA — Bank Secrecy Act
ADB — Asian Development Bank
WACC — Weighted Average Cost Of Capital (accounting)
CY — Calendar Year
BFP — Bona Fide Purchaser
CEO — Chief Executive Officer
URL — Universal Resource Locator
FINRA — Financial Industry Regulatory Authority
DMAIC — Define, Measure, Analyze, Improve, Control
RFP — Request For Proposal
CPI — Consumer Price Index
TQM — Total Quality Management
EEO — Equal Employment Opportunity
AMD — Advanced Micro Devices, Inc. (producer of computer chips)
ARO — After Receipt of Order
PDA — Personal Digital Assistant
CBC — Complete Blood Count
ATTN — Attention
THX — Thanks
MSDS — Material Safety Data Sheets
SAAS — Software as a Service
WML — Wireless Markup Language
CV — Curriculum Vitae
LTCM — Long-Term Capital Management
CDO — Collateralized Debt Obligation
PDF — Portable Document Format (created by Adobe Acrobat)
SPV — Special Purpose Vehicle (sometimes Single Purpose Vehicle)
RPI — Retail Price Index
BCA — Business Continuity Plan
MOU — Memorandum of Understanding (an MOU between Food & Drug Administratin and a regulatory agency in another country allows mutual recognition of inspections)
IPO — Initial Public Offering
LFPR — labor force participation rate
OI — Operating Income
ABC — activity based costing
SMTP — Simple Mail Transfer Protocol
USDA — United States Department of Agriculture
R&D — Research & Development
TSR — Total Shareholder Return
ADR — American Depositary Receipt
Q — Quarter
NYSE — New York Stock Exchange
CBO — Congressional Budget Office
FR — Federal Register
GP — Gross Profit
ASME — American Society of Mechanical Engineers
GIS — Geographic Information System

GATT — General Agreement on Tariffs and Trade (government)
SRAM — Static Random Access Memory (ess-ram)
ROIC — Return on Invested Capital
S&U — Sales and use
OECD — Organization for Economic Cooperation and Development
AD — Advertisement
IRA — Individual Retirement Account
AUM — Assets Under Management
YTM — Yield to Maturity
QSC — Quality, Service, Cleanliness (Ray Kroc's motto for McDonald's)
EST — Eastern Standard Time
ADR — Alternative Dispute Resolution
BLS — Bureau of Labor Statistics of the United States Department of Labor
KSOP — 401(k) Employee Stock Option Plan
BPML — Business Process Modeling Language
LLP — Limited Liability Partnership
LTV — Loan To Value
SD — Standard Deviation
MTBF — Mean Time Before Failure
ASCII — American National Standard Code for Information Interchange
CAPEX — Capital Expenditure
ETA — Department of Labor's Employment and Training Administration
ADP — Actual Deferral Percentage
ARB — Architecture Review Board
AP — Accounts Payable
IOC — Intergovernmental Oceanographic Commission
DVP — Delivery Versus Payment
DOT — Department of Transport
UCC — Uniform Commercial Code
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.
LY — Last Year
ICE — Intrusion Countermeasures Electronics
GL — General Ledger
ARC — American Red Cross
SLA — Service Level Agreement
ADP — Automated Data Processing
ADR — American Depository Receipt
ADL — activity of daily living
GNP — gross national product (economics)
JV — Joint Venture
SGLI — Servicemember Group Life Insurance
OTC — Over The Counter (medications not requiring a prescription)
DFA — Department of Finance and Administration
JGTRRA — Jobs and Growth Tax Relief Reconciliation Act
SAN — Storage Area Network
SKU — Stock Keeping Unit
MIGA — Multilateral Investment Guarantee Agency
FTA — Free-Trade Agreement
EPA — Environmental Protection Agency (US)
GPS — Global Positioning System (ex-NAVSTAR)

CBA — Cost Benefit Analysis
REO — Real Estate Owned
CIP — Carriage and Insurance Paid to
BOL — Bill Of Lading
IBM — International Business Machines Corporation
ROM — Range Of Motion
ERP — Emergency Response Plan
POA — Power Of Attorney
ICAO — International Civil Aviation Organization
DBA — Doing Business As
ICFR — Internal Control Over Financial Reporting
ROE — Return On Equity
BEA — Bureau of Economic Analysis
EU — European Union (1994; formerly referred to as the EEC or EC)
ACWP — actual cost for work performed
UNDMT — United Nations Disaster Management Team
GA — General Assembly
CMT — Constant Maturity Treasury
ARM — Adjustable Rate Mortgage
AWOL — Absent Without Leave
PC — Politically Correct
GOI — Gross Operating Income
UIM — Underinsured Motorist
FAA — Federal Aviation Administration
RAM — random-access memory
HR — Headquarters Report
HMO — Health Maintenance Organization
RFC — Request For Comment
DCP — Defined Contribution Plan
ITIN — Individual Taxpayer Identification Number
DIH — Days Inventory Held
CIO — Chief Information Officer
CAE — Computer-Aided Engineering
LMI — Labor Market Information
EOD — End Of Day
NAV — Net Asset Value
PO — Purchase Order
FDCPA — Fair Debt Collection Practices Act
APT — Arbitrage Pricing Theory
UPS — United Parcel Service, Inc.
UNICEF — United Nations International Children's Emergency Fund
P&L — Profit and Loss statement
EO — Executive Order
AIG — American International Group, Inc
C&F — Cost and Freight
FOREX — Foreign Exchange
FINCEN — Financial Crimes Enforcement Network
PV — Present Value
OT — Overtime
CRS — Congressional Research Service

NOPAT — Net Operating Profit After Tax
RAM — Reverse Annuity Mortgage
CAO — Chief Accounting Officer
ABM — Activity Based Management
FIT — Financial institutions tax
ANCOM — Andean Common Market
IBAN — International Bank Account Number
BOV — Broker’s Opinion of Value
CPM — Critical Path Method
BIW — Biweekly
NPV — Net Present Value {economics}
DJIA — Dow Jones Industrial Average
LOB — Line Of Business
G2C — Government to Consumer
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.
COD — Cash On Delivery
NSC — National Security Council
ADB — African Development Bank
IMF — International Monetary Fund
QTY — Quantity
B/L — Bill of Lading
IETF — Internet Engineering Task Force
EEOC — Equal Employment Opportunity Commission
CV — Cost Variance
SDR — Special Drawing Rights
FOB — Free On Board
PAQ — Position Analysis Questionnaire
DPKO — Department of Peacekeeping Operations
COO — Chief Operation Officer
ETR — Effective Tax Rate
CIM — Computer Integrated Manufacturing
FAQ — Frequently Asked Questions (sometimes Pronounced Fak)
RMP — Risk Management Plan
GRUT — Grantor Retained Unitrust
DES — Data Encryption Standard
CP — Commercial Paper
MIS — Management Information System (OSHA)
WWW — World Weather Watch
PE — Private Equity
ALM — Asset Liability Management
BARS — Behaviourally-Anchored Rating Scale
FAS — Free Alongside Ship
AER — Annual Equivalent Rate
ODA — Official Development Assistance
PPO — Preferred provider organization
AE — Account Executive
AFL-CIO — American Federation of Labor and Congress of Industrial Organizations
FAR — Federal Acquisition Regulation
LWDI — Lost Work Day Injury Rate
CMA — Comparative Market Analysis

NGO — Non-governmental organization. (Red Cross/Crescent, Doctors without Borders, etc.)
ACCT — Account
LOC — Line Of Credit
RSF — rentable square feet
CTR — Currency Transaction Report
NATO — North Atlantic Treaty Organisation
RIF — Reduction In Force
FASAB — Federal Accounting Standards Advisory Board
SLIP — Serial Line Interface Protocol
ADA — Americans With Disabilities Act Of 1990 (Text Of ADA Legislation)
SEM — Search Engine Marketing
OASDI — Old Age Survivors Disability Insurance
EURIBOR — Euro Interbank Offered Rates
GMP — Good Manufacturing Practice
CPO — Cost Per Order
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
NOC — Net Operating Capital
ETF — Exchange Traded Fund
QOS — Quality of Service
LOA — Leave Of Absence
SQA — Software Quality Assurance
G2G — Government to Government
PGP — Pretty Good Privacy (encryption)
DOD — United States Department of Defense
ASP — Active Server Page
AMA — American Management Association
IPS — Investment Policy Statement
MTD — Month-to-date
DTA — Deferred tax assets
FICCO — Fair Issac Credit Organization
FPL — Federal Poverty Level
CFROI — Cash Flow Return on Investment
BPA — Blanket Purchase Agreement
AM — Asset Management
IFRS — International Financial Reporting Standard
MBA — Mortgage Bankers Association of America
POD — Proof Of Delivery
ETA — Employment and Training Administration
3M — Minnesota Mining And Manufacturing Company
TBD — To Be Determined
CTS — Carpal Tunnel Syndrome
CRO — Chief Risk Officer
CCAQ — Consultative Committee on Administrative Questions
POE — Point of Entry
IM — Information Management
MA — Moving Average
PD — Position Description
CPC — Cost Per Click-through
AON — Angolan New Kwanza
MSN — Microsoft Network

EP — Earned Premium
LOI — Letter Of Intent
PFA — Prevention of Food Adulteration Act
CR — Continuing Resolution
ABO — Accumulated Benefit Obligation
FY — Fiscal Year
ITLOS — International Tribunal for the Law of the Sea
DMA — Designated Market Area
AMEX — American Stock Exchange
TER — Total Expense Ratio
PIP — Performance Improvement Plan
MSA — Metropolitan Statistical Area
STD — Standard
LBO — Leveraged Buyout
CTO — Chief Technology Officer
BD — Business Development
IVR — Interactive Voice Response (telephone technology)
EFA — Education for All
MIRR — Modified Internal Rate of Return
GMWB — Guaranteed Minimum Withdrawal Benefit
IRC — Internal Revenue Code of 1986
RFI — Request For Information. Sales department shorthand. Special priority when use in conjunction with RFN (see below).
CRAT — Charitable Remainder Annuity Trust
MSA — Medical Savings Account
EMA — Exponential Moving Average
PNG — Portable Network Graphics (graphic file standard/extension)
QA — Center for Quality Assurance in International Education
GRM — Gross Rent Multiplier
BOP — Bureau Of Prisons
PM — Program Manager
AGR — Adjusted Gross Revenue
WC — Worker's Compensation
CUSFTA — Canada-US Free Trade Agreement
AGI — Adjusted Gross Income
FMS — Financial Management Service
VPN — Virtual Private Network (ATM)
NOA — Net Operating Assets
EXCOM — Executive Committee
CAFTA — Central American Free Trade Agreement
FASAB — Financial Accounting Standards Advisory Board
DNS — Domain Name System
DRAM — Dynamic Random Access Memory (dee-ram) (computing)
O&M — Operation and Maintenance
LIBOR — London interbank offering rate
JIT — Just in time
CBT — Computer Based Training
MEC — Modified Endowment Contract
APPROX — Approximate
EV — Enterprise Value
PDM — Product Data Management

ACRS — Accelerated Cost Recovery System (finance)
HIBOR — Hong Kong interbank offered rate
BI — Business Intelligence
CEN — Committee European de Normalisation
SG&A — Selling, general, and administrative expenses
AARP — American Association of Retired Persons
POP — Point Of Presence (Internet)
CRM — Customer Relationship Management
BOE — Bank of England
ISDN — Integrated Services Digital Network
GSA — U.S. General Services Administration
HAZMAT — Hazardous Material
ITA — International Trade Administration
VISN — Veterans Integrated Service Network
NT — Near-Term
IAEA — International Atomic Energy Agency
CFR — Code of Federal Regulations
IFB — Invitation For Bid
ABA — American Bankers Association
OPR — Other People's Resources
ALDEP — Automated Layout Design Programs
GSF — Gross Square Feet
LBB — Legislative Budget Board
ACO — Administrative Contracting Officer
A&W — Allen & Wright (Roy Allen and Frank Wright combined their initials to name A&W Root Beer in 1922)
CTO — Compensatory Time Off
CSRS — Civil Service Retirement System
DOJ — Department of Justice (US)
ROI — Return on Investment
VC — Venture Capital
CDHP — consumer-driven health plan
ROG — Receipt Of Goods
UNRWA — United Nations Relief and Works Agency for Palestine Refugees in the Near East
BOO — Build Own Operate
3PL — Third Party Logistics
BS — Balance Sheet
HCFA — Health Care Financing Administration
ERV — Estimated Rental Value
DCA — Dollar Cost Averaging
ABS — Automated Bond System
MTF — Medical Treatment Facility
GRP — Gross Rating Point
CPM — Continuous Passive Motion
CPP — Capital Purchase Program
USP — Unique Selling Point
SC — Security Council
AJE — Adjusting Journal Entry
CDC — Center for Disease Control and Prevention
DI — Disability Insurance
DPP — Direct Participation Program

SAM — Shared-Appreciation Mortgage
BNA — Bureau of National Affairs, Inc.
FDA — Food Drug Administration
TCO — Total Cost of Ownership
DRP — distribution requirements planning
QMAC — Qualified Matching Contributions
GPP — Gross Profit Percentage
UNU — United Nations University
RAID — Redundant Array of Inexpensive Disks
POP — Point Of Purchase
GFE — Good Faith Estimate
RULPA — Revised Uniform Limited Partnership Act
LMRDA — Labor-Management Reporting and Disclosure Act of 1959
LWP — Leave With Pay
LC — Letter of Credit
ARNP — Advanced Registered Nurse Practitioner
RR — retention rate
TL — Truckload
XTML — eXtensible Telephony Markup Language
MDB — Multilateral Development Bank
UNEP — United Nations Environment Program
IDR — Issuer Default Rating
CFA — Consumer Federation of America
DOE — United States Department of Energy (government)
EBT — Earnings Before Tax
PDA — Personal Data Assistant
AAR — Average Annual Return
ICC — International Criminal Court
IRS — U.S. Internal Revenue Service
NLRB — National Labor Relations Board
FSA — Flexible Spending Account
PMI — Private Mortgage Insurance
PERT — Program Evaluation and Review Technique
SAS — Statement on Auditing Standards
ROR — Return on Revenue
4P — Price, Product, Place and Promotion
OJT — On the Job Training
CAGR — Compounded Annual Growth Rate
ERISA — Employee Retirement Income Security Act
HSA — Health Savings Account
DCF — discounted cash flow rate
CISO — Chief Information Security Officer
FUBU — For Us By Us
GAAP — Generally Accepted Accounting Procedures
PC — Personal computer (host)
PFD — Preferred
IRCA — Immigration Reform and Control Act
ZIP — Zone Improvement Plan
DDU — destination delivery unit
CPM — Corporate Performance Management

PY — Program Year
FOIA — Freedom of Information Act
REIT — Real Estate Investment Trust
CME — Chicago Mercantile Exchange
CFO — Communication Filing Officer
COTR — Contracting Officer Technical Representative
RTF — Rich Text Format
OTB — Open To Buy
TDI — Temporary Disability Insurance
NAB — Non-accrual basis
NDA — Non-Disclosure Agreement
DCR — Debt Coverage Ratio
REPO — Repurchase Agreement
AMA — American Medical Association
AOV — Average Order Value
NRI — Net Revenue Interest
POD — Payable on Death
CIMA — Chartered Institute of Management Accountants
ACV — Actual Cash Value
ATO — Asset Turnover
SM — Service Mark
COOP — Continuity of Operations
IDP — Internally Displaced Person
DC — Defined Contribution
OTCEI — Over the Counter Exchange of India (stock exchange)
COGS — Cost of Goods Sold
DKNY — Donna Karan New York
HVAC — Heating, Ventilation, and Air Conditioning
CE&O — Customer education and outreach
ISO/MSP — Independent sales organization/Member service provider
SAR — Stock Appreciation Right
SIC — Standard Industrial Classification (Code)
RFQ — Request For Quote
GRAT — Grantor Retained Annuity Trust
CASB — Cost Accounting Standards Board
IRIN — Integrated Regional Information Networks
NI — Net Income
JD — Job Description
EOE — Equal Opportunity Employer
G2B — Government to Business
WIP — Work in Process
TRO — Temporary Restraining Order
PC — Percent
LEPO — Low Exercise Price Option
PRI — Primary Rate Interface (ISDN)
PAT — Profit After Tax
CPM — Cost Per Thousand
IDIT — Intentionally defective irrevocable trust
PD — Paid
NCA — National Cemetery Administration

NIBCL — Non-interest bearing current liabilities
IMO — International Maritime Organization
MLS — Multiple Listing Service
SMT — Senior Management Team
NFE — Net Financial Expense
AMID — Allowable Miscellaneous Itemized Deductions
WTO — World Tourism Organization
GRIT — Grantor Retained Income Trust
PNP — Plug aNd Play
IMAP — Internet Message Access Protocol
RO — Regional Office
CFM — Construction Facility Management
ITU — International Telecommunication Union
NAM — National Association of Manufacturers
AQL — Acceptable Quality Level
CHR — Commission on Human Rights
TM — Trademark
AICPA — L'American Institute of Certified Public Accountants
EPA — Equal Pay Act
RONA — Return On Net Assets
DSO — Day Sales Outstanding
PFS — Personal Financial Specialist
CPA — Certified Public Accountant
BDF — Beneficiary Designation Form
SBU — Strategic Business Units
UR — Utilization Review
ITC — Information Technology Center
AD&D — Accidental Death and Dismemberment
BCR — Benefit/Cost Ratio
AFDA — Allowance for Doubtful Accounts
ASP — Application Service Provider
MI — Mortgage Insurance
PDA — Pregnancy Discrimination Act
AMT — Amount for Married Taxpayers
TAM — Television Audience Measurement
COLA — Cost of Living Adjustment (or Allowance)
CPM — Certified Property Manager
TDA — Tax Deferred Annuity
JOA — joint operating agreement
LOS — Length of Stay
DFAS — Defense Financial Accounting Service
LLLP — Limited Liability Limited Partnership
CAPM — Capital Asset Pricing Model
CMA — Certified Management Accountant
BU — Bargaining Unit
COS — Chief of Staff
FCRA — Fair Credit Reporting Act
ALEX — AUTOMATED LABOR EXCHANGE
NNN — Triple Net (Lease)
CMM — Capability Maturity Model

MPS — Marginal Propensity to Save
TIL — Truth in Lending
DBA — Data Base Administrator
HR — Human Resource
WIPO — World Intellectual Property Organization
HDI — Human Development Index (UNDP yardstick of human welfare)
OMB — Office of Management and Budget (U.S.)
CMS — Content Management System
WC — Working Capital
SOHO — Small Office Home Office
IPCS — International Programme on Chemical Safety
IC — Internal Control
STR — Software Test Report
SAR — Suspicious Activity Report(ing)
ADI — After Date of Invoice
SBO — Small Business Owner
GIF — Guaranteed Investment Fund
ESOP — Employee Stock Ownership Plan
FNA — Financial needs analysis
UNA — United Nations Association
BSM — Black-Scholes-Merton
EPZ — Export Processing Zone
TDC — Total Direct Compensation
ART — Annual Renewable Term (life insurance)
CDL — Commercial Driver's License
ASB — Accounting Standards Board
NPW — Net Present Worth
IDA — International Development Association
OID — Original Issue Discount
FTE — Full-Time Employee
UTD — Under Trust Dated
CIO — Chief Investment Officer
PY — Prior Year
JD — Juris Doctorate
SBLC — Standby Letter of Credit
C&B — Compensation and Benefits
PM — Performance Management
ATCF — After Tax Cash Flow
CSHO — Compliance Safety and Health Officer
OSHA — Occupational Safety and Health Act (1970)
EFT — Electronic Funds Transfer
EVA — Economic Value Added
CAI — Computer Assisted Instruction
HR — HUMAN RESOURCES
RESPA — Real Estate Settlement Procedures Act
OA — Operating Assets
MAD — Mean Absolute Deviation
FTC — Federal Trade Commission (U.S.)
FTD — Federal Tax Deposit
HQ — Headquarters (HDQ Preferred)

SRM — Supplier Relationship Management
MLM — Multi-Level Marketing
TCN — Third Country National
CFA — Chartered Financial Analyst
DUSH — Deputy Under Secretary for Health
CRT — Charitable Remainder Trust
AMTI — Alternative Minimum Taxable Income
AMF — American Machine & Foundry (bowling lane operators and former owners of Harley Davidson motorcycles)
ACC — Accounting Classification Code
TTM — Trailing Twelve Months
EA — Enrolled Agent
ABP — Average Benefit Percentage
QMCSO — Qualified Medical Child Support Order
CVP — Cost-Volume-Profit
OJT — On-The-Job-Training
DPP — Deferred Payment Plan
EPI — Expanded Programme on Immunization
ECA — Economic Commission for Africa
EE — Employee
MMDA — Money Market Deposit Account
IFRIC — International Financial Reporting Interpretations Committee
MLR — Medical Loss Ratio
AOQL — Average Outgoing Quality Level
UN — United Narions
ATB — Across the Board
TIPS — Treasury Inflation-Protected Securities
RAP — Regulatory Accounting Principles
AED — United Arab Emirates Dirham
PLR — Private Letter Ruling
IASC — Inter-Agency Standing Committee
PPI — Producer Price Index
CIT — Corporate Income Tax
BCC — Blind Copied
CPR — Cardio-Pulmonary Resuscitation
FRB — Federal Reserve Board
MACRS — Modified Accelerated Cost Recovery System (IRS)
PHP — PHP Hypertext Processor
UGMA — Uniform Gifts to Minors Act (largely replaced by UTMA)
HELOC — Home Equity Line of Credit
EOM — End Of Month
B2B — Business to Businesse
DPA — Department of Political Affairs
TAN — Tax Anticipation Note
OPM — Office of Personnel Management
LAR — Legislative Appropriations Request
SBC — Southwestern Bell Corporation
AO — Authorizing Official
NFIP — National Flood Insurance Program
FASAC — Financial Accounting Standards Advisory Council
GED — General Equivalency Diploma

NTIS — National Technical Information Service Technology Administration
GA — General Agent
IM/IT — Information Management/Information Technology
AT&T — American Telephone and Telegraph (U.S. company, also known as "Ma Bell")
SCM — Supply Chain Management
APY — Annual Percentage Yield
GPO — Government Printing Office
EOB — Explanation Of Benefits
TCE — Tangible Common Equity
FAO — Food and Agriculture Organization of the United Nations
GL — General Liability
HDML — Handheld Device Markup Language
UI — User Interface
CSO — Commissioners Standard Ordinary
POC — Proof of Claim
FCC — Federal Communications Commission (US)
CGQ — Corporate Governance Quotient
TAM — Technical Advice Memorandum
DOL — United States Department of Labor
OASDHI — Old Age, Survivors, Disability and Health Insurance Act
BOS — Behavior Observation Scale
BAFO — Best and Final Offer
BRIC — Brazil, Russia, India and China
XHTML — Extensible Hypertext Markup Language
IATA — International Air Transport Association
CA — Confidentiality Agreement
ROTA — Return On Total Assets
PRC — Peer Review Committee
MSRP — Manufacturer's Suggested Retail Price
CUM PFD — Cumulative preferred
RTW — Return To Work
ASU — Accounting Standards Update
PM — Project Manager
SNA — System of National Accounts
CIX — Commercial Internet Exchange
CPI — Cost Performance Index
ROOA — Return on Operating Assets
PCI — Per Capita Income
ICJ — International Court of Justice
CRM — Client Relationship Management
TVM — Time Value of Money
DOH — Days inventory On Hand
FSS — Federal Supply Schedule
PHC — Personal Holding Company
A&H — Accident and health insurance
ESI — Electronically Stored Information
CSF — Critical Success Factor
GOV — Government Owned Vehicle
BOOT — Build Own Operate Transfer
SGA — Substantial Gainful Activity

EPS — Earnings per share
IBRD — International Bank For Reconstruction And Development (part Of The World Bank)
ERP — Estimated Retail Price
IP — Intellectual Property
GPI — Gross potential income
FFY — Federal Fiscal Year
IBNR — Incurred But Not Reported
NOW — Negotiable Order of Withdrawal
BHAG — Big Hairy Audacious Goal
SBLI — Savings Bank Life Insurance
DTI — Department of Trade and Industry (UK)
SOL — Statute of Limitations
AACU — American Association of Colleges and Universities
BAT — Business Activity Tax
SOP — Statement Of Position
REC — Renewable Energy Certificate
ATP — Accredited Tax Preparer
AEI — American Enterprise Institute
GAO — Government Accountability Office [formerly the General Accounting Office]
CGS — Cost of Goods Sold
GIF — Graphic Interchange Format
CUPA — College and University Personnel Association
FICA — Federal Insurance Contribution Act
MLR — Monthly Labor Review
ERS — Economic Research Service
P&G — Proctor and Gamble
AAA — authentication, authorization, and accounting
FRS — Federal Reserve System
LCA — Labor Condition Application
BRI — Basic Rate Interface
EIN — Employer Identification Number
AGC — Associated General Contractors of America
SOS — Sound On Sound
PILOT — Payment In Lieu Of Taxes
EMS — Eastern Mountain Sports
P2P — Peer to Peer (as in music file sharing systems like KaZaA)
PVGO — Present Value of Growth Opportunities
ROGFA — Return on Gross Fixed Assets
ATR — Americans for Tax Reform
AL — Assisted Living
IRDA — Insurance Regulatory Development Authority
7S — Strategy, Structure, Systems, Style, Staff, Skills, Shared values
IANA — Internet Assigned Numbers Authority
RP — Repurchase Agreement
NFA — Net Financial Assets
CAE — Certified Association Executive
CPIC — Capital Planning and Investment Control
LOB — Line-Of-Balance
GSI — general salary increase
NFO — Net Financial Obligations

MDGD — Management Development and Governance Division
CMO — Chief Marketing Officer
LTO — Long-Term Option
SEPA — Single Euro Payments Area
EEPROM — Electric Erasable Programmable Read Only Memory
A/P — Accounts Payable
ADEA — Age Discrimination in Employment Act's
TIP — Transportation Improvement Program
FAK — Freight all kinds
ST — Short-Term
UPU — Universal Postal Union
BIS — Bank of International Settlements
EGM — Extraordinary General Meeting
ILIT — Irrevocable Life Insurance Trust
UNCIP — United Nations Commission for India and Pakistan
IRA — Individual Retirement Arrangement
FRV — Fair Rental Value
SB — Senate Bill
APV — Adjusted Present Value
MBTI — Myers-Briggs Type Indicator
HUD — Department of Housing and Urban Development (U.S.)
DM — Direct Mail
KSAO — Knowledge, Skills, Abilities and Other
CASE — computer-automated software engineering
SC — Securities Commission
IME — Independent Medical Examination
CUM — Cumulative
DUNS — Data Universal Numbering System
WMO — World Meteorological Organization (ICSU)
ILAB — Bureau of International Labor Affairs
BOMA — Building Owners and Managers Association
F/K/A — Formally known as
BLM — Bureau of Land Management of United States Department of the Interior
JPEG — Joint Photographic Experts Group (24-bit image storage format)
EXP — Export
VA — Veterans Administration
COD — Cancellation of Debt
MOM — Message Oriented Middleware
A/R — Accounts Receivable
NIH — NATIONAL INSTITUTE OF HEALTH
UNAMIC — United Nations Advance Mission In Cambodia
SEPG — Software Engineering Process Group
IBR — Income-based repayment
PBO — Projected Benefit Obligation
OE — Operating Expense
CNF — Cost, not freight
CORBA — Common Object Request Broker Architecture
OTS — Office of Thrift Supervision
ACC — Administrative Committee on Coordination
IIA — Institute of Internal Auditors

BOT — Balance of Trade
FHLB — Federal Home Loan Bank
HR&A — Human Resources and Administration
CESA — Coverdell education savings account
POP — Premium Only Plan
ELP — Electing large partnership
RISC — Reduced Instruction Set Computer
HFA — Housing Finance Agency
MVIC — Market Value of Invested Capital
UNMISET — United Nations Mission of Support in East Timor
SUTA — State Unemployment Tax Act
NAVPS — Net Asset Value Per Share
CODASYL — Committee on Data Systems Languages
ROW — Right-Of-Way
CICA — Competition in Contracting Act (1984)
DRP — Disaster Recovery Plan
IPTF — International Police Task Force
WHA — World Health Assembly
CC — Civil Code
TIN — Taxpayer Identification Number
REI — Recreational Equipment, Inc.
DFL — Degree of Financial Leverage
BID — Business Improvement District
PEO — Professional Employer Organization
OASDI — Old Age and Survivors Disability Insurance
CCP — Certified Compensation Professional
ABA — Accredited Business Accountant
ROS — Return on Sales
CFIUS — Committee on Foreign Investment in United States
ASAE — American Society of Association Executives
ADC — Acquisition, Development, and Construction
SIPC — Securities Investor Protection Corporation
UL — Universal Life
PSA — Public Service Announcement (radio/TV Term)
ESCAP — Economic and Social Commission for Asia and the Pacific (UN)
SCORE — Service Corps Of Retired Executives
CGA — Charitable Gift Annuity
MAS — Multiple-Award Schedule
SEC — Securities and Exchange Commission (US)
CAFR — Comprehensive Annual Financial Report
FMLA — Family and Medical Leave Act
DOL — Degree of Operating Leverage
DOC — Doctor
ITF — In Trust For
MOH — Music On Hold
DPI — Department of Public Information
CFAT — Cash Flow After Taxes
CFE — Certified Financial Examiner
T&C — Terms & Conditions
FASB — Financial Accounting Standards Board

FCFE — Free Cash Flow to Equity
WRKSHP — Workshop
CK — Calvin Klein
B&O — Business and Occupation
CBOT — Chicago Board of Trade
RTO — Reverse Take-Over
ROCE — Return On Capital Employed
FFIEC — Federal Financial Institutions Examination Council
ETN — Exchange Traded Note
VSNL — Videsh Sanchar Nigam Limited
NCOA — National Change Of Address
ADEA — Age Discrimination and Employment Act
ATOI — After Tax Operating Income
DCAP — Dependent Care Assistance Program
SMA — Simple Moving Average
LPA — Licensed Public Accountant
EISA — Extended Industry Standard Architecture
NOI — Net Operating Income
EOY — End-Of-Year
NCUSIF — National Credit Union Share Insurance Fund
ADP — Average Deferral Percent
EOU — Export Oriented Unit
FSLMRA — Federal Service Labor-Management Relations Act
PSC — Personal Service Corporation
CF — Cash Flow
CPG — Consumer Packaged Goods
GPM — Graduated Payment Mortgage
MUPLA — Model Uniform Products Liability Act
DTL — Deferred Tax Liability
SE — Self Employed
ACASTD — Advisory Committee on the Application of Science and Technology to Development
PDQ — Position Description Questionnaire
EOI — Evidence of Insurability
MRO — Maintenance, repair, and overhaul
EIS — Environmental Impact Statement (US)
POQ — Periodic Order Quantity
TTD — Temporary Total Disability
AIDA — Attention, Interest, Desire, Action
SDB — Small Disadvantaged Business
HDR — Humanitarian Daily Ration
NQDC — Nonqualified deferred compensation
LTIP — Long-Term Incentive Plan
DW — Dislocated Worker
CADR — Cash available for distribution before debt reduction
CTV — Capital Timber Value
RBM — Roll Back Malaria
LSE — London Stock Exchange
ECM — Excess cash margin
CHRO — Chief Human Resource Officer
SOA — Service-Oriented Architecture

CROGI — Cash Return on Gross Investment
ADJ — Adjust
M/M — Month-over-month
REV. RUL. — Revenue Ruling
DBMS — Data Base Management System
FSI — Free Standing Insert
IAP — Initial advance payment
AJB — America’s Job Bank
F2F — Face-to-Face Meeting
RIA — Registered Investment Advisor
MLP — Minimum lease payments
DAGMAR — Defining Advertising Goals for Measured Advertising Results
COST — Council on State Taxation
ALJ — Administrative Law Judge
OAS — Option Adjusted Spread
MIME — Multipurpose Internet Mail Extension
ECB — European Central Bank
GST — Goods and Services Taxation
DOI — Date of Injury
GE — General Electric American Communications Inc.
VIE — Variable Interest Entity
MTTR — Mean Time To Recovery
ISA — International Seabed Authority
PIK — Payment in Kind
D/O — Delivery Order
MANOVA — Multivariate Analysis of Variance
CBIT — Comprehensive Business Income Tax
BDC — Business Development Center
MLP — Master Limited Partnership
TPD — Temporary Partial Disability
CERD — Committee on the Elimination of Racial Discrimination
MBDA — Minority Business Development Agency
SNF — Skilled Nursing Facility
ECP — Emergency Conservation Program
PTO — Paid Time Off
REV. PROC. — Revenue Procedure
TPL — Third-Party Liability
SS — Social Security
SNE — Salaried Non-Exempt
QTD — Quarter-to-Date
SEA — Securities Exchange Act
MC — Market Capitalization
IFAD — International Fund for Agricultural Development (UN)
LEC — Local Exchange Carrier
URO — Utilization Review Organization
ECI — Employment Cost Index
ITARS — IT Acquisition Request System
LF — Labor Force
TAMRA — Technical and Miscellaneous Revenue Act of 1988
WTO — World Trade Organisation

UNHCR — United Nations High Commissioner for Refugees Program
MPEG — Moving Picture Experts Group (International Standards Organisation/International Electrotechnical Commission)
CFP — Certified Financial PlannerTM
PW — present worth
MRD — Minimum Required Distribution
SEO — Search Engine Optimizer
B.A. — Bachelor of Arts
POS — Point of Service Plan
ESA — Coverdell education savings account
TCBY — The Country's Best Yogurt
VDT — Video Display Terminal
EOI — Expression Of Interest
RWA — Risk Weighted Asset
SERP — Supplemental Executive Retirement Plan
CIF — Cost, Insurance, and Freight (Paid) (shipping)
ECP — Engineering Change Proposals
NL — No-Load
JOLTS — Job Openings and Labor Turnover Survey
DIO — Days Inventory Outstanding
CGMA — Chartered Global Management Accountant
MTC — Multistate Tax Commission
ABF — Asset-Based Financing
AX — Armani Exchange
NSA — National Society of Accountants
NAFTA — North American Free Trade Agreement
B&P — Bid & Proposal
BBDO — Batten, Barton, Durstine & Osborn
MER — Management Expense Ratio
PLM — Product Lifecycle Management
WRA — Weighted Risk Assets
SSA — Social Security Administration
UIC — Unemployment Insurance Commission (Canada, archaic)
SAR — Summary Annual Report
PIC — Prior Informed Consent
AAAA — American Association of Advertising Agencies
ECOSOC — Economic and Social Council of the United Nations
BCP — Business Continuity Plan
UNFPA — United Nations Fund for Population Activities (see www.unfpa.org)
NASDAQ — National Association for Security Dealers and Automatic Quotation
FFO — Funds from operations
L/C — Letter of Credit
ATA — Accredited Tax Advisor
LTL — Less Than Truckload Lot
LFY — Last Fiscal Year
CMBS — Commercial mortgage-backed securities
AA — Adverse Action
NSX — National Stock Exchange
RRSP — Registered Retirement Savings Plan (Canada; Roughly Equivalent To The IRA In The U.S.)
AIA — American Institute of Architecture
ISO — Incentive Stock Option

FRF — Financial Reporting Framework
FS — Financial Statement
SFH — Single Family Home
FSLIC — Federal Savings & Loan Insurance Corporation
FP — Fixed Price
DOLETA — Department of Labor Employment and Training Administration
RR — Revenue Ruling
ISSA — International Securities Services Association
PTE — Pass-Through Entity
EBRI — Employee Benefit Research Institute
CPSC — Consumer Products Safety Commission
GICS — Global Industry Classification Standards
SEP — Simplified Employee Pension
OCF — Operating Cash Flow
GIM — Gross Income Multiplier
CIMC — Certified Investment Management Consultant
SA — Seasonally Adjusted
CODA — Cash or Deferred Arrangement (401K)
WAP — Wireless Application Protocol
NAICS — North American Industry Classification System
ROA — Return on assets
BOT — Board of Trustees
OB — Office of Budget
RIC — Regulated Investment Company
UNICRI — United Nations Interregional Crime and Justice Research Institute
ICANN — Internet Corporation for Assigned Names and Numbers
A/E — Accured expense
WT — Warrant
CMMI — Capability Maturity Model Integrated
FWT — Federal Withholding Tax
PDA — Payday Advance Loan
SSB — Securities Supervisory Board
NLRA — National Labor Relations Act
ALC — Alien Labor Certification
PERL — Practical Extraction and Report Language
B2C — Business to Consumer
AA — Author Alteration
CIC — Consumer Information Center
LTD — Limited
PCCM — Percentage-of-completion/capitalized cost method
NMS — Normal Market Size
ROFR — Right of First Refusal (finance)
MLD — Market-linked deposit
INSARAG — International Search and Rescue Advisory Group
SIAP — Statistical Institute for Asia and the Pacific
COI — Conflict Of Interest
FMV — Fair Market Value
ECE — Economische Commissie voor Europa (United Nations) (Dutch: Economic Commission for Europe)
CDI — Category Development Index
A/E — Architect/Engineer

FUTA — Federal Unemployment Tax Act
CPA — Comprehensive Plan of Action
CLU — Chartered Life Underwriter
DPO — Days payables outstanding
PITI — Principal, Interest, Taxes, and Insurance
DRTV — Direct Response Television
QAI — Quality Assurance International
OSG — Office of the Secretary-General
DHL — Dag Hammarskjöld Library
MRPS — Mandatorily redeemable preferred stock
W/C — Working Capital
AFR — Applicable Federal Rate
TSR — Terminate and Stay Resident [software program]
FCF — Free Cash Flow
AFTP — Anonymous File Transfer Protocol
FITW — Federal Income Tax Withholding
UCI — Unemployment Compensation Insurance
GAAP — Generally Accepted Accounting Principles
NAR — National Association of Realtors
NSA — Not Seasonally Adjusted
ROS — Run Of Schedule
LYON — Liquid Yield Option Note
PM — Profit Margin
C-TPAT — Customs-Trade Industry Against Terrorism
STP — Software Test Plan
YRT — Yearly Renewable Term
CSA — Cost Sharing Arrangement
PE — Price-earnings ratio
NAIC — National Association of Insurance Commissioners
PR — Public Relations
BRE — Business Reply Envelope
ROP — Run of Press
OIOS — Office of Internal Oversight Services
AIME — Average Index Monthly Earnings
PHR — Professional in Human Resources Certification
PRP — Preferred Risk Policy
GOOS — Global Ocean Observing System (IOC, UNESCO, WMO, and ICSU)
ABV — Accredited in Business Valuation
NRE — Net realizable equity
ASG — Assistant Secretary General
USG — Under Secretary General
AR — Accounts Receivable
AMPS — Auction Market Preferred Stock
ECF — Extended Care Facility
DAPT — Domestic Asset Protection Trust
ECOWAS — Economic Community of West African States
MCI — Microwave Communications Incorporated
TEV — Total Enterprise Value
FERC — Federal Energy Regulatory Commission (U.S.)
ERTA — Economic Recovery Tax Act

CSO — Central Statistical Organisation
SCA — Service Contract Act
CC — Capital Contribution
RSI — Relative Strength Indicator
BBB — Better Business Bureau's
AAG — Audit and accounting guides
ASEAN — Association of South East Asian Nations
UNISPAL — United Nations Information System on the question of Palestine
DBT — Days Beyond Terms
UNGOMAP — United Nations Good Offices Mission In Afghanistan and Pakistan
DIP — Debtor In Possession
CEBS — Certified Employee Benefits Specialist
CMYK — Cyan, Magenta, Yellow, Black
SOC — Standard Occupational Classification
OIBITDA — Operating Income Before Interest, Taxes, Depreciation and Amortization
ECOA — E-Mail Change of Address
UTMA — Uniform Transfers to Minors Act
T&D — Training and Development
DCPP — Defined Contribution Pension Plan
DB — Defined Benefit (retirement Plan; For Example, A Pension)
ROA — Regional Office for Africa
AFICS — Association of Former International Civil Servants
ABCP — Asset Backed Commerical Paper
PCAOB — Public Company Accounting Oversight Board
HFS — Hold for sale
DUSHOM — Deputy Under Secretary for Health for Operations and Management
DRO — Domestic Relations Order
ACP — Actual deferral percentage
BDI — Brand Development Index
EITC — Earned Income Tax Credit
LOS — Law Of The Sea
QSF — Qualified Settlement Fund
AFP — Association for Financial Professionals
BPM — Business Performance Management
ICPD — International Conference on Population and Development
CAD — Cash Available for Distribution
IMRB — Indian Market Research Bureau
PCFRC — Private Company Financial Reporting Committee
LWO — Leave without pay
REG. — Regulation
NCSA — National Center for Supercomputing Applications
SIV — Structured Investment Vehicle
WIP — Work In Progress (process)
MLS — Mass Layoff Statistics
ESO — Employee Stock Option
FHLMC — Federal Home Loan Mortgage Corporation, United States
LCM — Lower of Cost or Market
FHA — Federal Housing Administration
ATB — Accountants Trial Balance
UNHCHR — United Nations High Commissioner for Human Rights

APR — Annual Percentage Rate
ADR — Asset Depreciation Range (finance)
NOL — Net Operating Loss
GR — General Revenue
SESA — State Employment Security Agency
DINKS — Dual Income, No Kids
ACP — Average Contribution Percentage
FNMA — Federal National Mortgage Association
ALBM — Automated Lending and Borrowing Mechanism
SIB — Securities and Investment Board
XBRL — Extensible Business Reporting Language
SAT — Scholastic Aptitude Test
CEPS — Cash Earnings Per Share
DVA — Debt value adjustment
LT — Lead Time
DSPP — Direct Stock Purchase Plan
HECM — Home Equity Conversion Mortgage
SBAP — Small Business Assistance Program
HRM — Human Resource Management
CFS — Container Freight Station
CRUT — Charitable Remainder Unitrust
ZEN — Zero Effort Network
SPE — Special Purpose Entity
KYC — Know-your-customer
CAM — Common Area Maintenance (charges related to commercial leases)
HROD — Human Resources and Organizational Development
HSBC — Household Bank Corporation
BONUCA — United Nations Peace-Building Office in the Central African Republic
ASTD — American Society for Training and Development
EIC — Earned Income Credit
CDFI — Community Development Financial Institution
ITIL — Information Technology Infrastructure Library
DIC — Document Identifier Code
IDA — Industrial Development Authority
BPD — barrels per day
GAAS — Generally Accepted Auditing Standards. Perhaps only marginally less contradictory than GAAP, but they do exist, honestly.
FIE — Foreign-Invested Enterprise
CEDAW — Committee on the Elimination of Discrimination against Women
CLAT — Charitable Lead Annuity Trust
PAAS — Platform-as-a-Service
FOM — Field Operations Manual
SUA — Convention for the Suppression of Unlawful Acts Against the Safety of Maritime Navigation
ECOA — Equal Credit Opportunity Act
BOC — Budget Object Code
UNDOF — United Nations Disengagement Observer Force
VSOE — Vendor-Specific Objective Evidence
FRA — Full Retirement Age
PBGC — Pension Benefit Guaranty Corporation
AWW — average weekly wage
NAAS — Network as a Service

BTT — Business Transfer Tax
HPI — Human Poverty Index
BOD — Board of Directors (Budget)
FICCI — Federation of Indian Chamber of Commerce and Industry
PTP — Publicly Traded Partnership
FACCT — Foundation for Accountability
EFW — Electronic Funds Withdrawal
RFPA — Right to Financial Privacy Act of 1978
SDI — State Disability Insurance
CGT — Capital Gains Tax
CFTC — Commodity Futures Trading Commission
ITBAT — IT Budget Analysis Team
UPE — Unreimbursed Partnership Expenses
GAAC — Government Accounting and Auditing Committee
VEBA — Voluntary Employees' Beneficiary Association
STAR — Satellite Television Asian Region, Ltd.
ITMP — Information Technology Management Program
WTW — Welfare-to-Work
CBCMC — Clinical Bar Code Multidisciplinary Committee
IASB — International Accounting Standards Board
GNMA — Government National Mortgage Association
FMCS — Federal Mediation and Conciliation Service
CUSIP — The Committee Of Uniform Security Identification Procedures
ESOT — employee stock ownership trust
AAPC — Accounting and Auditing Policy Committee
CISSP — Certified Information Systems Security Professional
COE — Certificate of Eligibility
USF — Usable Square Feet
ICQ — Internal Control Questionnaire
MSA — Merit Salary Adjustment
BOI — Business Object Interface
ABMS — Activities Based Management System
TSR — Tactical Studies Rules
UNZAP — United Nations Zambia Assistance Programme
ESOP — Employee Stock Option Plan
FVO — Fair Value Option
PUD — Planned Unit Development
ISO — International Standard Organisation
INC. — Incorporated
Y/Y — Year-over-year
CETA — Comprehensive Employment and Training Act of 1975
DFEH — Department of Fair Employment and Housing's
NVI — Negative Volume Index
UNCTAD — United Nations Conference on Trade and Development
EBSA — Employee Benefits Security Administration
FACHE — Fellow in American College of Healthcare Executives
SEM — Shared-Equity Mortgage
BIA — Business Impact Analysis
OCR — Overall Capitalization Rate
VAT — Value-added taxes

MTL — Multi-Level Marketing
EPTA — Expanded Programme of Technical Assistance
CIP — Capital Investment Proposal
ICSAB — International Civil Service Advisory Board
FPML — Financial Products Markup Language
NDNH — National Directory of New Hires
EAR — Export Administration Regulations
SSI — Supplemental Security Income
TDB — Temporary Disability Benefits
ROU — Right of Use
VOPAN — Voice Pitch Analysis
UNCC — United Nations Compensation Commission
POP — Public Offering Price
NSF — Not Sufficient Funds
AFTS — Automatic Funds Transfer Services
ALTA — American Land Title Transfer
PVFC — Prepaid variable forward contract
ATO — Administrative Time Off
FECA — Federal Employer’s Compensation Act
OHCHR — Office of the United Nations High Commissioner for Human Rights
EA — Electronic Arts Inc (NASDAQ Stock Exchange [NASDAQ])
CUM DIV — Cumulative dividend
DCAA — (U.S.) Defense Contract Audit Agency
AE — Actual Expense
ASF — American Securitization Forum
ROAE — Return on Assets Employed
CFA — Committee on Food Aid Policies and Programmes
UNCED — United Nations Conference on Environment and Development
NSA — National Safety Associates
IAM — Identity and Access Management
VA — Veterans Affairs
CCL — Center for Creative Leadership
LTA — Long-Term Agreement
TRUPS — Trust Preferred Securities
BOA — Basic Ordering Agreement
SRA — Supplemental Retirement Annuity
EPPA — Employee Polygraph Protection Act
PHI — Protected Health Information
RO/RL — Rool on/roll off
CRC — Committee on the Rights of the Child
LT — Long Terme
HHS — Health and Human Services Department
DESIPA — Department for Economic and Social Information and Policy Analysis
AMTFTC — Alternative minimum tax foreign tax credit
SMA — Separately Managed Account
JEC — Joint Economic Committee
OER — Operation Expense Ratio
CB — Carryback
CMA — Certified Management Accountant
ACFE — Advisory Committee on Forestry Education

OASDHI — Old Age, Survivors, Disability, and Health Insurance
COHRS — Central Office Human Resources Service
OL — Operating Liabilities
NCCI — National Council on Compensation Insurance
ALV — Average Lease Value (Cars)
FCB — Foote Cone & Belding
S&P — Standard & Poor's
SSD — Social Security Disability
DCAP — Dependent Care Assistance Plan
NACUBO — National Association of College & University Business Organizations
SLOB — Separate Line of Business
UNCCD — United Nations Convention to Combat Desertification
GPO — Guaranteed Purchase Option
CPLTD — Current portion of long-term debt
TWA — Time Weighted Averages
NPA — Non-Performing Assets
TRA — Tax Reform Act
F&F — Furniture & Fixtures
ACV — Account Current Value
PPE — Property, Plant and Equipment
ERM — Enterprise Risk Management
IBEW — International Brotherhood of Electrical Workers
IFC — International Finance Corporation
AD & D — Accidental Death and Dismemberment
ESP — Exchange Stock Portfolio
OCC — Office of the Comptroller of the Currency
UNSCEAR — United Nations Scientific Committee on the Effects of Atomic Radiations
BTCF — Before Tax Cash Flow
WI — Working Interest
ADS — Alternative Depreciation System
YOY — Year-over-year
ICGFI — International Consultative Group on Food Irradiation
BRC — Business Reply Card
MRQ — Most Recent Quarter
UDITPA — Uniform Division of Income for Tax Purposes Act
AGT — Agent
CFC — Chartered Financial Consultant
UNIIMOG — United Nations Iran-Iraq Military Observer Group
RTN — Routing Transit Number
NCUA — National Credit Union Administration
FCCPA — Federal Consumer Credit Protection Act of 1968
PTA — Preferential Trade Arrangement
ECOMOG — Economic Community of West African States' Monitoring Observer Group
NASBA — National Association of State Boards of Accountancy
UNVFVT — United Nations Voluntary Fund for Victims of Torture
STTR — Small Business Technology Transfer
IASC — International Accounting Standards Committee
WCEFA — World Conference on Education for All
ICTY — International Criminal Tribunal for the Former Yugoslavia
TRASOP — Tax Reduction Act ESOP

SHRM — Society for Human Resource Management's
CEA — Commodity Exchange Authority
CICP — Centre for International Crime Prevention
EPCM — Exempt-contract, percentage-of-completion method
CPFFC — Cost-plus-fixed-fee contract
EVM — Earned Value Management
WIDER — United Nations University World Institute for Development Economics Research
PGI — Potential Gross Income
FEA — Fair Employment Act
CEMP — Comprehensive Emergency Management Program
TEFRA — Tax Equity and Fiscal Responsibility Act of 1985
AFN — Additional Funds Needed
SS — Safety Stock
SWOT — Strengths, Weaknesses, Opportunities and Threats
REA — Return on assets
UNCIVPOL — United Nations Civilian Police
RTW — Right to Work
FCA — Farm Credit Administration
CCI — Consumer Confidence Index
QBU — Qualified Business Unit
CNS — Continuous Net Settlement
BRD — Business Requirements Documentation
CRAFT — Computerised Relative Allocation of Facilities Techniques
UNCSW — United Nations Commission on the Status of Women
DBO — Death Benefit Only
HDAPT — Hybrid domestic asset protection trust
DMFAS — Debt Management and Financial Analysis System
PBT — Profit Before Tax
RSA — Rivest-Shamir-Adleman
PEG — Price to Earnings Growth
LTI — Long-term incentive
VHA — Veterans Health Administration's
CLUT — Charitable Lead Unitrust
WRLDWD — Worldwide
SMSA — Standard Metropolitan Statistical Area
HC — Humanitarian Coordinator
CI — Contract Item
DAF — Donor Advised Fund
ACW — African Centre for Women
HCM — Human Capital Management
OP — Order Point
AAGR — Annual average growth rate
UNCT — United Nations Country Team
EGI — Effective Gross Income
RAN — Revenue Anticipation Note
BML — Bean Markup Language
WPI — Wholesale Price Index
INA — Immigration and Naturalization Act
NAAEC — North American Agreement on Environmental Cooperation
ZBB — Zero-based budgeting

GIC — Guaranteed Investment Contract
OCHA — Office for the Coordination of Humanitarian Affairs
LINTAS — Levers International Advertising Services
PERAB — President's Economic Recovery Advisory Board
DDSN — Demand-driven supply networks
EMP — Environmental Planning and Management
BCFD — Billion Cubic Feet per Day
GTL — Group Term Life Insurance.
PING — Pocket Internet Gopher
CPDO — Constant Proportion Debt Obligation
CEA — Chief Enterprise Architect
ESS — Employee Self-Service System
EEOICPA — Energy Employee Occupational Illness Compensation Program Act
ECAB — Employee's Compensation Appeals Board
CPO — Chief of Purchasing Office
ROC — Rate of Change
UNCCP — United Nations Conciliation Commission for Palestine
SAAR — Seasonally Adjusted Annual Rate
MBS — mortgage backed security
NFFE — Nonfinancial foreign entity
DOT — Dictionary of Occupational Titles
RCN — Replacement Cost New
UNCDF — United Nations Capital Development Fund
BPC — Business Planning Cycle
AFC — Average fixed costs
NIOSH — National Institute of Occupational Safety and Health's
CPHR — California Professional in Human Resources Certification
A&S — Accident and sickness insurance
CIA — Certified Internal Auditor (US)
SPD — Summary Plan Description
QPRT — Qualified Personal Residence Trust
LDI — Liability Driven Investment
HAFA — Home Affordable Foreclosure Alternative program
NRMLA — National Reverse Mortgage Lenders Association
NNTP — Network News Transport Protocol (ATM)
EDI — Electronic Date Interchange
RJP — Realistic Job Preview
CLA — Cross-Licensing Agreement
GAO — Government Accounting Office
MCC — Mortgage Credit Certificate
FIA — Federal Insurance Administration
CEBS — Certified Employee Benefit Specialist
BAT — Budget Advisory Team
ATU — Annual Tax Unit
DWC — Days working capital
MP3 — Moving Pictures Experts Group 1 Audio Layer 3
BAT — Business Action Theory
C2C — Customer to Customer
ILO — International Labor Organization (UN)
ESL — English as a second language

HP — Hewlett Packard's
CVLI — Cash Value Life Insurance
NABA — National Association of Black Accountants, Inc.
SARSEP — Salary Reduction Simplified Employee Pension Plan
QME — Qualified Medical Examiner
WFC — World Food Council
NNN — Net Net Net
ADI — Area of Dominant Influence
VUL — Variable Universal Life
SB/SDB — Small Business/Small Disadvantaged Business
CGL — Comprehensive General Liability
SMLLC — Single Member Limited Liability Company
VAO — Virtual Acquisition Office
QSPE — Qualified special purpose entity
LAIA — Latin American Integration Association
BRICS — Brazil, Russia, India, China and South Africa
HC — human capital
ASPPA — American Society of Pension Professionals & Actuaries
UNAFRI — United Nations African Institute for the Prevention of Crime and the Treatment of Offenders
TSP — Thrift Savings Plan
NDA — Nondisclosure Agreement
FMR — Fair Market Rental
ESA — Employment Standards Administration
IAS — International Accounting Standards
QJSA — Qualified Joint and Survivor Annuity
CHL — Customs house license
CMSA — Consolidated Metropolitan Statistical Area
SSVS — Statement on Standards for Valuation Services
CFOC — Chief Financial Officers Council
UTLZTN — Utilization
POCS — Points of Contact
VXML — Voice eXtensible Markup Language
FEIN — Federal Employment Identification Number
CAPS — Convertible Adjustable Preferred Stock
NRI — Net Rising Index
LOR — Letter Of Response
MSP — Managed Service Provider
ABLOS — Advisory Board on the Law of the Sea
HRD — Human Resource Development
GCOS — Global Climate Observing System (WMO, IOC, UNEP, and ICSU)
CAT — Commercial Activity Tax
MST — Marketable Securities Tax
0DSAC — 90 days, same as cash
CCPOQ — Consultative Committee on Programme and Operational Questions
ACABQ — Advisory Committee on Administrative and Budgetary Questions
EPROM — Electrically Programmable Read Only Memory
CSCS — Computer Software Components
VSOP — Very Special Old Pale
ATB — Adjusted Trial Balance
CO — Compliance Officer

BHC — Bank Holding Company
YAHOO — You Are Hazy Over Oranges
UNCHS — United Nations Centre for Human Settlements
MOF — Ministry Of Finance
HCTC — Health Coverage Tax Credit
MTB — Motor transportation broker
UNOCHA — United Nations Office for the Coordination of Humanitarian Affairs
AET — Accumulated Earnings Tax
COSO — Committee of Sponsoring Organizations
DOM — Distributed Order Management
SBA — Small Business Administrations
FACT — Fair and Accurate Credit Transactions Act of 2003
TESSA — Tax-Exempt Special Savings Account
PSI — Performance Salary Increase
IOS — International Organization for Standards
CSV — Cash Surrender Value
UNOMUR — United Nations Observer Mission Uganda-Rwanda
ICC — International Chamber of Commerce
WRAEA — Workforce Reinvestment and Adult Education Act
NRF — National Retail Federation
ITSM — Information Technology Service Management
TIF — Tax Increment Financing
ADP — Applicable Distribution Period
TTL — Total Linhas Aéreas
AFE — Average Funds Employed
IAG — International Auditing Guidelines
DVOP — Disabled Veterans Outreach Program
SDVOSB — Service-Disabled Veteran-Owned Small Business
COLI — Cost of Living Index
SEPED — Social Development and Poverty Elimination Division
D&O — Directors and Officers Liability
SSUTA — Streamlined Sales and Use Tax Agreement
KSA — Knowledge, Skills, Abilities
ITC — Information Technology Conference
AATF — Airport and Airway Trust Fund
STF — Summary Tape File
LR — Labor Relations
SFOR — Stabilization Force
CIPP/G — Certified Information Privacy Professional/Government
VWAP — Value Weighted Average Price
IRP — Industry Risk Premium
EMV — Europay, Master Card and Visa
MCC — Merchant category codes
C&I — Commercial and industrial customers (Electricity transmission)
OD — Organizational Development
ERM — Enterprise Resource Management
CCPA — Consumer Credit Protection Act
INS — Immigration & Naturalization Service
UNCITRAL — United Nations Commission On International Trade Law
NAC — National Acquisition Center

UNOGBIS — United Nations Peace-Building Support Office in Guinea-Bissau
HCO — Health Care Organization
AFB — American Farm Bureau, Inc.
(X) — Export
UNDHL — United Nations Dag Hammarskjölds Library
WHD — World Habitat Day
HRIS — Human Resources Information System
PIM — Product Information Management
UNFCCC — United Nations Framework Convention on Climate Change
ECM — Enterprise Content Management
MSB — Money Service Businesses
BPM — business process management
MMC — Money market certificate of deposit
UNIFIL — United Nations Interim Force In Lebanon
UNOMIL — United Nations Observer Mission In Liberia
BOP — businessowners policy
DMB&B — D'arcy Masius Benton & Bowles
CBL — Common Business Language
PAM — Pledged Account Mortgage
PCE — Personal consumption expenditure; personal consumption expenditure deflator
UCR — Usual, Customary and Reasonable Fees
COL — Cost Of Living
PIPE — Public investment in private equity
CPP — Cost Per rating Point
CSO — Chief Security Officer
DII — Days in Inventory
CPE — Continuing Professional Educational
CAPP — Cash Account Pension Plan
TAB — Tax Anticipation Bill
CIK — Central index keys
CFC — Court of Federal Claims
3COM — Computer, Communications and Compatibility
COFI — Cost of Funds Index
JTPA — Job Training Partnership Act
UNITAR — United Nations Institute for Training and Research
CS — Cost-Sharing
ABC — Audit Bureau of Circulations Inc.
ICSC — International Civil Service Commission
REMIC — Real Estate Mortgage Investment Conduit
EIC — Earned Income Tax Credit
APB — Accounting Principles Board's
SWT — State witholding tax
SMI — Supplemental Medical Insurance (US Medicare Part B)
GEF — Global Environmental Facility (environment)
UNOHCI — United Nations Office of the Humanitarian Coordinator for Iraq
MBE — Mortgage banking enterprise
SMM — Summary of material modifications
VWAP — Volume-weighted average price
ISO — Independent Sales Organization
CRM — Credit Risk Management

IRMAA — Income Related Medicare Adjustment Amount
BRM — Business Reference Model
ICM — Incentive Compensation Management
FAME — Facilities Maintenance Engineering
OR — Operations research
IDNDR — International Decade for Natural Disaster Reduction
UC — Unemployment Compensation
SDD — Software Design and Development
CEA — Certificate of Educational Achievement
LHWCA — Longshore and Harbor Worker’s Compensation Act
NRD — Normal Retirement Date
CNC — Currently Not Collectible
OSSG — Office of the Spokesman for the Secretary-General
SSBIC — Specialized Small Business Investment Company
ITAC — Information Technology Advisory Committee
NMFC — National Motor Freight Classification
UNOMIG — United Nations Observer Mission In Georgia
TSA — Tax-sheltered annuity
WRC — World Radiocommunication Conference
AML — Adjustable Mortgage Loan
ITSD — Information Technology Services Division
HWRP — Hydrology and Water Resources Programme
IBC — Independent Breweries Company (original manufacturer of IBC Root Beer)
VOCC — Vessel Operating Common Carriers
DAN — Depositor Account Number
SCM — Supply Chain Management
UNEF — United Nations Emergency Force
OLA — Office of Legal Affairs
BSNL — Bharath Sanchar Nigam Limited
UNPD — United Nations Population Division
FMOC — Federal Open Market Committee
HRMS — Human Resource Management System
FMC — Federal Maritime Commission's
UNCRD — United Nations Centre for Regional Development
WPP — Wire and Plastic Products
LCL — Less than Carload Lot
IAB — Internet Advertising Bureau
PE — Price to Earnings Ratio
NCCUSL — National Conference of Commissioners on Uniform State Laws
UNTEA — United Nations Temporary Executive Authority
IETC — International Environmental Technology Centre
BET — Business entity tax
FCCC — For the Framework Convention on Climate Change
USRPHC — U.S. real property hodling corporation
CEU — Continuing Education Unit
MAGI — Modified Adjusted Gross Income
UNDAF — United Nations Development Assistance Framework
SITC — Standard International Trade Classification
COPICS — Communication Oriented Production and Information Control System
FSA — Farm Service Agency

M&A — Merger & Acquisition
OOB — OOS out of business
TPA — Third Party Administrator
HRA — Health Reimbursement Account
SBRB — Small Business Research Board
QR — Quality Review
GPHR — Global Professional in Human Resources
LEI — Leading Economic Indicators
LC — Limited Company
UNRISD — United Nations Research Institute for Social Development
ITS — Intermarket Trading System
SME — Small- to medium-sized entities
USAA — United Services Automobile Association's
FOK — Fill-or-kill order
OCBOA — Other Comprehensive Basis of Accounting
URLA — Uniform Residential Loan Application
MLA — Minimum Liquid Assets
ADP — Attention Dial Pulse
BPO — Bargain Purchase Option
USRPI — U.S. real property interest
CBFA — Committee on Budget, Finance and Administration
GSR — General Securities Representative
I-9 — I-9 Form
RE — Residual Earnings
PTAC — Procurement Technical Assistance Center
GLA — Gross Leaseable Area
ACRB — Architectural Change and Review Board
TBC — To Be Contested
GRID — Global Resource Information Database (UNEP)
EDGAR — Electronic Data Gathering, Analysis and Retrieval
ACFR — Advisory Committee on Fishery Research
GSTP — Global System of Trade Preferences
ADP — Automatic Data Processor
DAW — Division for the Advancement of Women
AMCD — Audit and Management Consulting Division
SDNP — Sustainable Development Networking Programme
ROC — Return on Capital
FEI — Financial Executives Institute
ESAF — Enhanced Structural Adjustment Facility
CFIA — Competency Framework for Internal Auditing
MSER — Multi-state Employer Registration
GAW — Global Atmosphere Watch (WMO)
C&D — Cease and Desist
INSTRAW — International Research and Training Institute for the Advancement of Women
ITAM — IT asset management
CFBT — Cash flow before taxes
DTCC — Depository Trust & Clearing Corp
OFCCP — Office of Federal Contract Compliance Programs
ECR — Executive Conference Room
ARS — Auction Rate Securities

HCA — head of contracting activity; humanitarian and civic assistance
TC — Trusteeship Council (UN)
D&B — Dun & Bradstreet
FBAR — Foreign Bank & Financial Account
CEA — Council of Economic Advisors
MOTO — Mail order-telephone order
EAC — Employee Advisory Committee
CSUM — Common Security User Manager
ISM — Interactive Studio Management
ETC — Estimate To Completion
ADAS — Associate Deputy Assistant Secretary
UNOVER — United Nations Observer Mission to Verify the Referendum in Eritrea
CPCU — Chartered property and casualty underwriter
FAS — Financial Accounting Standards
BCS — Business Case Study
UMB — United Missouri Bank
ICDC — International Child Development Centre
CPC — Committee for Programme and Coordination
LEAF — Logistics, Engineering, Acquisition, and Finance
HRIS — Human Resource Information System
EDA — Economically Depressed Area
DBPP — Defined Benefit Pension Plan
GTOS — Global Terrestrial Observing System
BPO — Business Process Optimization
CE — Continuing Education
SAS — Statement of Accounting Standards
A/S — Account sales
BDI — Behavioral Description Interview
TVI — Trade Value Index
CHRC — Canadian Human Rights Commission
IMR — Information Management Research
ASCI — Advertising & Standards Council of India
GASB — Governmental Accounting Standards Board
OI&T — Office of Information and Technology
AUI — Auxiliary Unit Interface
SSDI — Social Security Disability Insurance
SBD — Small Disadvantaged Business
AC — Acceleration Clause
EAPA — Employee Assistance Professionals Association, Inc
EFTA — European Free Trade Area
DNAMTI — Distributable Net Alternative Minimum Taxable Income
BAA — Business Associate Agreement
NPT — Non-Proliferation Treaty
FASIT — Financial asset securitization investment trusts
CSEMO — Corporate Senior Executive Management Office
UNAMIR — United Nations Assistance Mission for Rwanda
NFTC — National Foreign Trade Council, Inc.
UNOSOM — United Nations Operation in Somalia
ULPA — Uniform Limited Partnership Act
ALBCC — Account Level Budget Cost Center

PMV — Private Market Value
OTB — Off-Track Betting
TAT — Total asset turnover
FAAS — Financial Assurance and Accountability Standards
WAI — Wealth Added Index
RFM — Rcency, Frequency, Monetary Analysis
DUS — Dollar Unit Sampling
UNSO — United Nations Sudano-Sahelian Office
WBG — World Bank Group
CSPN — College Savings Plan Network
F&C — Free and Clear
UNOMSA — United Nations Observer Mission in South Africa
PCS — Post-contract customer support
ITMRA — Information Technology Management Reform Act (Part of the Clinger-Cohen Act)
UAW — United Auto Workers
COP — Conference of the Parties
AGGG — Advisory Group on Greenhouse Gases
UNJSPF — United Nations Joint Staff Pension Fund
GINA — Genetic Information Nondiscrimination Act of 2007
B2C — Business to Citizen
IRD — Income in respect of a decedent
HRLY — Hourly
DFI — Derivative Financial Instrument
FLP — Family Limited Partnership
GAGAS — Generally Accepted Government Accounting Standards
SBBA — Sales and Buy-Back Agreement
P/E — Price-to-earnings ratio
ZAW — Zero Administration for Windows
GEENET — Global Environmental Epidemiology Network
OCP — Overland Common Point
HRA — Health Reimbursement Arrangement
SPAC — Special-purpose acquisition company
PEC — Potential earnings converted
DPSP — Deferred Profit Sharing Plan
ILC — International Law Commission
UNIPTF — United Nations International Police Task Force
VOB — Veteran-Owned Business
ATNOLD — Alternative Minimum Tax Net Operating Loss Deduction
SIFMA — Securities Industry and Financial Markets Association
CSA — Capital Support Agreements
NACM — National Association of Credit Management
UCR — Usual, customary, and reasonable
CBI — Compliance and Business Integrity
ITLO — Information Technology Logistics Office
IDB — Industrial Development Bond
TEA — Technology-enabled auditing
NAPAT — National Association for Private Annuity Trusts
SOV — Share Of Voice
UNOG — United Nations Office at Geneva
CEOSH — Center for Engineering & Occupational Safety and Health

GRC — Goverance, risk and compliance
QNEC — Qualified nonelective contributions
RFA — Regulatory Flexibility Act (US)
MEWA — Multiple Employer Welfare Arrangement
CPI-W — Consumer Price Index for Urban Wage Earners and Clerical Workers
OM — Options Market
CHB — Custom House Broker
OSBDU — Office of Small and Disadvantaged Business Utilization
ICRA — Investment Information and Credit Rating Agency
EECB — Executive E-mail Carpet Bomb
UNSCOM — United Nations Special Commission for the Elimination of Iraq's Weapons of Mass Destruction
PWBA — Pension and Welfare Benefits Administration
A&I — Accident and Indemnity
AGFFA — Advisory Group on Financial Flows to Africa
ACII — American Association of Individual Investors
CHFC — Chartered Financial Consultant
FRS — Functional Requirements Specifications
DIT — Deposit in Transit
SHD — Sustainable Human Development
FUNSA — Federation of Staff Association of the United Nations and its Specialized Agencies
P&I — Principle and interest payment
SRSG — Special Representative of the Secretary-General
IAF — Inflation Adjustment Factor
EMIF — Emerging Issues Task Force
MTNL — Mahanagar Telephone Nigam Limited
UNAMSIL — United Nations Mission In Sierra Leone
LCC — Life Cycle Cost
PIA — Primary Insurance Amount
UDR — Unused development rights
DSPE — Deputy Senior Procurement Executive Known
EOLI — Employer owned life insurance
MSI — Multiple Streams of Income
BEIT — Business Enterprise Income Tax
XML — Extended Markup Language
FRA — Federal Reserve Act
OR — Operating revenue
BIRLS — Beneficiary Identification Records Locator Subsystem
HCSA — Health Care Spending Account
SSOP — Second Surgical Opinion Program
DAP — Direct Access Program
TRNSFR — Transfer
IDS — Income Deposit Securities
TOD — Transfer on death
WCC — World Climate Conference
FASAC — Financial Accounting Standards Advisory Committee
CCOP — Coordinating Committee for Coastal and Offshore Geoscience Programmes in East and South East Asia
IEC — Inter Exchange Carrier
CTI — Computer/Telephone Integration
FALD — United Nations Field Administration and Logistics Division
ZEN — Zero Engine Noise

PT — Part-Time
GMIB — Guaranteed Minimum Income Benefit
FMHA — Farmers Home Administration
CCSQ — Consultative Committee on Substantive Questions
FSP — FASB Staff Position
MUD — Multiple User Dungeon
TA — Technology Assessment
BCA — Board of Contract Appeals
CODI — Cancellation of Debt Income
NFIB — National Federation of Independent Business
UNSMIH — United Nations Support Mission In Haiti
QWL — Quality of Work Life
ZEBRA — Zero-balance reimbursement account
EBO — Employee Buyout
OER — Owner's equivalent rent
SLA — Share lending agreement
CAA — Congressional Accountability Act
IPS — Inflation Protected Security
TOFC — Trailer On Flat Car
UNTAC — United Nations Transitional Authority in Cambodia
SDVOB — Service-disabled veteran owned business
UNV — United Nations Volunteers Programme
DEFRA — Deficit Reduction Act
DTP — Data Transfer Program
EOSG — Executive Office of the Secretary-General
IPMA — International Personnel Management Association
ASBL — American Small Business League
IFEBP — International Foundation of Employee Benefit Plans
S&L — Savings and Loan
LMI — Lender's mortage insurance
USOA — Uniform system of accounts
INCB — International Narcotics Control Board
IGE — Intergovernmental Group of Experts
TPRB — Trade Policy Review Body
CWHSSA — Contract Work Hours and Safety Standards Act
RMBS — Residential mortgage backed securities
LTCG — Long-term capital gain
GAAFR — Governmental Accounting, Auditing, and Financial Reporting
NRA — Non-Resident Alien
VBIA — Veterans Benefits Improvement Act of 2004
OGC — Office of the General Counsel
L/V — Loan-to-value ratio
EMT — Executive Management Team
FMRR — Financial Management Rate of Return
PAR — Public Accounting Report
MHAEA — Mental Health and Addiction Equity Act
EIA — Equity Indexed Annuity
CBA — Controlled Business Arrangement
WKLY — Weekly
NABARD — National Bank for Agricultural and Rural Development

LLDIE — Limited life debt investment entity
PBA — Pending bank approval
SLS — Sales
UTC — Uniform Trust Code
AIC — Architecture and Infrastructure Committee
ABS — Asset Based Securitization
SSBCI — State Small Business Credit Initiative
LEO — Long-term Equity Options
DSW — Discount Shoe Warehouse
AMC — Appraisal Management Companies
DOCO — Development Operations Coordination Office
NEO — New and Emerging Occupations
CCHR — Canadian Council on Human Resources
NAVA — National Association for Variable Annuities
NIPA — National income and product accounts
GIWA — Global International Waters Assessment
PFR — Portable Font Resource
SECA — Self-Employment Contributions Act
STD — Short-term disability
IHRIM — International Association of Human Resource Information Management
VEVRA — Vietnam-Era Veterans Readjustment Act
RELP — Real Estate Limited Partnership
AFN — Annual Funding Notice
HARP — Home Affordable Refinance Program
IBDOEI — Income before discontinued operations and extraordinary items
PPA — Pension Protection Act of 1987
NPL — Nonperforming loan
CTJ — Citizens for Tax Justice/Institute on Taxation and Economic Policy
IFOR — Implementation Force
ADA — Associate Deputy Administrator
LMA — Labor Market Area
ARR — Average Rate of Return
WARN — Worker Adjustment and Retraining Notification Act of 1988
IPA — Inflation Protected Annuity
LOC — Letter of Comment
IREA — Intermountain Rural Electric Association
MSRB — Municipal Securities Rulemaking Board
SPHR — Senior Professional Human Resources
HQS — Housing Quality Standards
CSR — Corporate Social Responsibilty
DITE — Division on Investment, Technology and Enterprise Development
ECN — Electronic Communications Network
QTIP — Qualified Terminable Interest Property
CEHIST — Center for Evaluation of Healthcare Information Systems & Technology
ITEAM — Information Technology Enterprise Architecture Management
DBIC — Data Base Integration Committee
UNTMIH — United Nations Transitional Mission in Haiti
MHPA — Mental Health Parity Act of 1996
MPPAA — Multiemployer Pension Plan Amendments Act
IEFR — International Emergency Food Reserve

FSR — Financial Strength Rating
TILA — Truth In Lending Act
DK — Dorling Kindersley
BQ — Best Qualified
LTC — Long-Term Care
RIPA — Retirement Income Policy Act
UNTAET — United Nations Transitional Administration in East Timor
UNIDO — United Nations Industrial Development Organization
BNIB — Business Needs and Investment Board
CPP — Consumer Preferences and Policy
C&A — Certification & Authority
DRC — Deficit Reduction Contribution
HVCC — Home Valuation Code of Conduct (mortgage and appraisal industry)
SHOP — Small Business Health Options Program
RI — Royalty Interest
AFSCME — American Federation of State, County and Municipal Employers
TAA — Trade Adjustment Act
ELI — Equity Linked Investments
TALF — Term Asset-Backed Securities Loan Facility
FLC — Foreign Labor Certification
PTSD — Post Traumatic Stress Syndrome
UNSECOORD — Office of the United Nations Security Coordinator
NSBA — National Small Business Association
DAC — Delivery Against Cost
D/L — Demand loan
CCM — Completed Contract Method
CHRC — Criminal History Records Check
CCH — Commerce Clearing House
USPAP — Uniform Standards of Professional Appraisal Practice
MDIB — Minimum Distribution Incidental Benefit
ILC — Industrial Loan Company
UNDCP — United Nations International Drug Control Programme
FWCW — United Nations Fourth World Conference on Women
ASR — Accelerated Stock Repurchase
DSI — Discretionary Salary Increase
B.S. — Bachelor of Science
DDB — Doyle Dane Bernbach
LLIC — Limited liability investment company
BAN — Bank anticipation notes
CDS — Credit default swaps
ING — Internationale Nederlanden Group (a Financial Company)
LLTC — Limited liability trust company
KSA — Knowledge Skills or Abilities
IAPSO — Inter-Agency Procurement Services Office
E&P — Earnings & Profits
APIC — Additional paid-in capital
PJ — Purchases journal
EBP — Employee Benefits Plan
EPA — Expanded Programme of Assistance
UNISTE — United Nations International Symposium on Trade Efficiency

WCP — World Climate Programme (WMO/ICSU)
ARD — Actual retirement date
USTC — United States Tax Court
GAO — General Accountability Office
FRN — Floating rate notes
TPS — Transaction processing services
CTI — Category, Type, Item
IRB — Internal Revenue Bulletin
UNMACC — United Nations Mine Action Coordination Centre
IACWGE — Inter-Agency Committee on Women and Gender Equity
AC — Associate Chief of Staff
UNAIDS — Joint United Nations Programme on HIV/ Acquired Immune Deficiency Syndrome
DGFT — Director General of Foreign Trade
UNEP-IE — United Nations Environment Programme Industry and Environment Centre
UNIPOM — United Nations India-Pakistan Observation Mission
ARB — Accident Review Board
NAO — National Administrative Offices
SRPM — Stated Redemption Price at Maturity
IDB — Industrial Development Board
CRPC — Chartered Retirement Planning Counselor
ROTC — Reserve Officer Training Corporation
HRCI — Human Resource Certification Institute
ITC — International Trade Center
UNOMSIL — United Nations Observer Mission in Sierra Leone
UNL — Universal Networking Language
CESCR — Convention on Economic, Social and Cultural Rights
TN — Temporary Visa
LAC — Division for Latin America and the Caribbean
RET — Retirement earnings test
GPML — Global Programme Against Money Laundering
ODCF — Owner's Discretionary Cash Flow
OIS — Overnight Index Swaps
CSVLI — Cash surrender value life insurance
JCT — Joint Committee on Taxation
FO — Foreign to occupation
UNDAW — United Nations Division for the Advancement of Women
IASA — Internation Air Shipper's Association
SFAS — Statements of Financial Accounting Standards
GEM — Growing Equity Mortgage
PCE — Private Commercial Enterprise
QIE — Domestically controlled qualified investment entity
ACLI — American Council of Life Insurance
OC — Opportunity Cost
GWAC — Government Wide Acquisition Contract
UNMIBH — United Nations Mission in Bosnia and Herzegovina
AAA — Authentication, Authorization & Access
BLBA — Black Lunch Benefits Act
IUC — Information Unit for Conventions
NCO — Net chargeoffs
GIST — Graphics and Intelligence based Script Technology

SRO — See Self-Regulatory Organization
LRO — Labor Relations Officer
PEP — Personal Exemption Phaseout
QR — Quarterly Report
JPO — Junior Professional Officer
WHCRA — Women’s Health and Cancer Rights Act of 1998
CEIS — Corporate Executive Information System
NATP — National Association of Tax Professionals
NASDR — National Association of Securities Dealers Regulation
RFB — Request For Bid
VA — Variable Annuity
SITW — State income tax withholding
MTM — Market to Market
BV — Book value
DNA — Distributed Internet Application Architecture
REA — Retirement Equity Act
SBC — Summary of Benefits and Coverage
SBLF — Small Business Lending Fund
DWC — Division of Workers Compensation
OSDBU — Office of Small and Disadvantaged Business Utilization
ASHHRA — American Society for Healthcare Human Resources Administration
UNPD — United Nations Procurement Division
EDA — Economic Development Administration's
CAO — Contract Administration Office
ALC — Agency Location Code
D2D — Developer to Developer
ICS — Information Centres Services
LDC — Low Death Conflict
DGAACS — Department of General Assembly Affairs and Conference Services
UNLTC — United Nations Military Liaison Team in Cambodia
UNCA — United Nations Correspondents Association
UNOPS — United Nations Office for Project Services
POC — Pacific Operations Centre
DUSB — Deputy Undersecretary for Benefits
QE — Quarter Ending
FPO — Fruit Products Order
ALBRS — Automated Lending and Borrowing in Rolling Settlement
APOC — Administrative Point of Contact
TUR — Total Unemployment Rates
JAIN — Joint American Indian Network
GIPS — Global Investment Policy Standards
JAN — Job Accommodation Network's
WHYCOS — World Hydrological Cycle Observing System
PMSA — Primary Metropolitan Statistical Area
GAW — Guaranteed Annual Wage
SOBO — Small Office Business Office
DR. — Debit
CSD — Commission on Sustainable Development's
DBA — Davis-Bacon Act
OOH — Occupational Outlook Handbook

IFUP — International Forum on Urban Poverty
SIC — Standard industrial clssification
BPC — Budget Priority Committee
GNC — General Nutrition Centers
UNIDIR — United Nations Institute for Disarmament Research
IAAS — Infrastructure as a Service
RDC — Remote Deposit Capture
PWC — Public Works Commission
KMI — Knowledge Management Initiative
PCE — Pre-existing Condition Exclusion
SEPHA — Special Emergency Programme for the Horn of Africa
NOLD — Net Operating Loss Deduction
AWL — Actual Wage Loss
CALS — Continuous Acquisition Lifecycle Support
USCIS — U.S. Citizenship and Immigration Service
CBO — Chief Business Office
LDP — Last Day Paid
CFRS — Carry Forward in Rolling Settlement
NCAO — National Cemetery Area Office
DUA — Disaster Unemployment Assistance
UNMIH — United Nations Mission In Haiti
MTHLY — monthly
NMHPA — Newborns’ and Mothers’ Health Protection Act
DM — Department of Management
VBA — Veterans Benefit Administration
CCR — Central Contractor Registeration
FOF — Fund of Funds
SBJPA — Small Business Job Protection Act of 1996
ODCCP — United Nations Office for Drug Control and Crime Prevention
FAC-C — Federal Acquisition Certification in Contracting
CBHCO — Community-Based Health Care Organization
CEC — Continuing Education Center
FT — Full-Time
STOLI — Stranger-originated life insurance
HCIP — Harmonized Index of Consumer Pricing
QTD — Qualified Total Distribution
LCD — Labor Cost Distribution
CSE — Customer Service Environment
UFW — United Farm Workers
SDE — Service Delivery and Engineering
ISMUN — International Student Movement for the United Nations
J&S — Joint and Survivorship
NRA — Normal Retirement Age
UNMAS — United Nations Mine Action Service
CEFU — Continuing Education Field Unit
SLA — Supplemental Lease Agreements
MW — minimum weight
EBSA — Employee Benefit Security Administration's
OIP — Office of the Iraq Programme
IMRO — Investment Management Regulatory Organisation

ALA — American Legion Auxiliary
VAL. — Value
TIC — Tenant In Common
I&A — Interest and amortization
BCAG — Business Community Advisory Group
FPM — Flexible Payment Mortgage
IQPA — Independent Qualified Public Accountant
A&A — Assessment and Accreditation
ILM — Industrial Light and Magic, Inc.
SPX — Standard and Poor’s Index
UI — Unemployment Insurance
UNTAES — United Nations Transitional Administration for Eastern Slavonia, Baranja and Western Sirmium
PRA — Paperwork Reduction Act of 1980
SDA — Self-directed brokerage account
FSB — Fortune Small Business
UNCJIN — United Nations Crime and Justice Information Network
PCM — Percentage-of-completion method
SSD — Social Security Disability
EPLI — Employee practices liability insurance
UNREO — United Nations Rwanda Emergency Office
AGFUND — Arab Gulf Programme for United Nations Development Organizations
SPE — Senior Procurement Executive
SAMS — Systemic Advocacy Management System
EBS — Employee Benefits Security
RDMHQ — Rapidly Deployable Mission Headquarters
AETF — African Emergency Task Force
MSPR — Medicare Secondary Payer Rules
ISBA — International Seabed Area
SBI — Site Build It
ODPR — Office for Displaced Persons and Refugees
NAEA — National Association of Enrolled Agents
CHS — Commission on Human Settlements
CISC — Common Instruction Set Computer
CCISUA — Coordinating Committee of International Staff Unions and Associations of the United Nations System
STIP — Short-Term Industry Projections
DFS — Dancer Fitzerald Sample
UNSC — United Nations Security Council
DRPC — Division for Resources Planning and Coordination
CDR — Centre for Documentation and Research
BOC — Business Operations Committee
SRO — Self Regulatory Organization
MEC — Minimum essential coverage
BDC — Business Development Council
HUDCO — Housing and Urban Development Corporation Limited
EM — Emergency Loan Program
BREP — Business Requirements Engineering Process
B&N — Barnes and Noble
TIFF — Tagged Interface File Format
IOLTA — Interest on Lawyer's Trust Account
BIOLAC — United Nations University Programme for Biotechnology in Latin America and the Caribbean

DBB — Design-bid-build
ODDS — Online Data Delivery System
VLI — Variable Life Insurance
TL — Time & Labor
PPIP — Public-Private Investment Program
MOC — Market On Close
VPT — Volume Price Trend
SNT — Supplemental Needs Trust
GMP — Guaranteed Maximum Price
EPAU — Evaluation and Policy Analysis Unit
UNPROFOR — United Nations Protection Force (in Former Yugoslavia)
PM PAR — Program Management Policy, Assessment, and Reporting
OEL — Offshore Employee Leasing
CRSR — Congressional Research Service Report
CFS — Committee on World Food Security
SGML — Standard Generalised Markup Language
EBRI — Employee Benefits Research Institute
PVT — Persons Viewing Television
LDW — Last Day Worked
UNSD — United Nations Statistic Division
CCC — Commodity Credit Corporation
CBRS — Currency banking and retrieval system
OHCA — Organized Health Care Arrangement
EPLI — Employment Practices Liability Insurance
DPGA — Deferred Payment Gift Annuity
SSTP — Streamlined Sales Tax Project
MBA — Masters of Business Administration
SV — Salvage value
USERRA — Uniform Services Employment and Reemployment Rights Act
UNIC — United Nations Information Centre
EDP — Employee Development Plan
UNHQ — United Nations Headquarters
E/M — Evaluation and Management
UNMOGIP — United Nations Military Observer Group In India & Pakistan
CSD — Commission for Social Development
PA — Public Accountant
JECFA — Joint Expert Committee on Food Additives
CFO — Chief Financial/Fiscal Officer
FERS — Federal Employees Retirement System
PFK — Pay-for-knowledge-and-skills plans
SAM — System for Award Management
SEDR — Systems Engineering and Design Review
GCT — General Corporation Tax
MOD — Manufacturing on demand
JVC — Japan's Victor Company
R/E — Retained earnings
FEP — Fair employment practice
A&A — Advisory & Assistance
ULP — Unfair Labour Practices
VOSB — Veteran-Owned Small Business

UNDG — United Nations Development Group
COBRA — Common Object Request Broker Architecture
PERC — Premiums, earnings and reasonable charges
STSFCTN — Satisfaction
EAP — Employee Assistance Plan
DIMA — Division of Information Management and Analysis
USC — United States Code
FSA — Flexible Spending Arrangement
ASB — Auditing Standards Board's
IBD — Investors Business Daily
DSPD — Division for Social Policy and Development
SSNVS — Social Security Number Verification System
ITOC — Information Technology Oversight & Compliance
COSVA — Chief of Staff
SDCF — Sellers Discretionary Cash Flow
BPO — Broker Price Opinion
NUA — Net Unrealized Appreciation
TCOE — Total Cost of Equity
CTFA — Certified trust & financial advisor
MSPA — Migrant and Seasonal Agriculture Worker Protection Act
RPO — Recruitment process outsourcing
CSA — Common Services Architecture
UNSCO — Office of the United Nations Special Coordinator for the Middle East
CEIT — Comprehensive business income tax
UNDC — United Nations Disarmament Commission
SEAROWHO — Regional Office for South-East Asia Region
XFRML — XML based Financial Reporting Markup Language
BAT — Bureau of Apprenticeship and Training
PL/PD — Personal liability/property damage
CONGO — Conference on Non-Governmental Organizations
CAMPS — Cumulative Auction Market Preferred Stock
USM — Unlisted Securities Market
SFO — Solicitatio for offers
OTI — OSHA Training Institute
PE — Printer Error
PE — Pass-through entity
CCP — Collateralized commercial paper
GEMS — Global Environment Monitoring System
NRV — Net recoverable value
JRPU — Joint Reintegration Programming Unit
BPO — Budget process outsourcing
SBIR — Small Business Innovation and Research
UNMOT — United Nations Mission of Observers in Tajikistan
GWG — Gender Working Group
SSARS — Statement on Standards for Accounting and Review Services
COAS — Clinical Observation Access Control
CDARS — Certificate of Account Registry Service
UNFALD — United Nations Field Administration and Logistics Division
NAALC — North American Agreement on Labor Cooperation
IIOP — Internet Inter operable ORB Protocol

VWPX — Volume Weighted Price Uncrossing
SAAR — Seasonally Adjusted Annualized Rate
VRM — Variable Rate Mortgage
LTD — Long Term Insurance
FTR — family tracing and reintegration
NE — Non-Exempt
EPPG — Emergency Prevention and Preparedness Group
EB — Extended Benefits
TEUC — Temporary Extended Unemployment Compensation
IDS — International Development Strategy
SLE — Single lease expense
SMES — Small- and medium-scale enterprises
PBC — Programme and Budget Committee
PKO — Peace-Keeping Operation
SMB — Small- to medium-sized business
TCPC — Technical Committee for Programme and Coordination
QREC — Quality Review Executive Committee
NAP — Noninsured Crop Disaster Assistance Program
UNOGIL — United Nations Observation Group In Lebanon
A/O — Administrative Offices
DI — Debt instrument
CRISIL — Credit Rating Investment Services India Limited
AA — Average Audience
USPTO — U.S. Patent and Trademark Office
CSP — Certified Speaking Professional
UNAVEM — United Nations Angola Verification Mission
BB — Base Benefits
PD — Procurement Division
CVE — Center for Verification and Evaluation
JEEP — Joint Ethics Enforcement Plan
TCDC — Technical Cooperation among Developing Countries
CIP — Capital Investment Process
B2C — Business to Comerce
DBIA — Database Integration Agreement
SPFS — Special Programme for Food Security
EAO — Executive and Administrative Office
RIM — Retail Inventory Method
BKPR — Be Kind, Please Rewind
TAC — Technology Assessment Committee
FYE — Fiscal year ended
USD — US Dollars
BCBS — Blue Cross/Blue Shield
PPA — Paperwork Reduction Act
OEBS — Office of Employee Benefits Security
POB — Public Oversights Board
KFC — Kentucy Fried Chicken
ECDC — Economic Cooperation Among Developing Countries
BKPR — Bookeeper
OIS — Occupations Information System
COSG — Collaborative Opportunities Steering Group

MSFW — Migrant and Seasonal Farm Worker
SST — Streamline Sales and Use Tax Agreement
CFPB — Consumer Finance Protection Bureau
FSET — Federal State Employment Taxes
HTTP — Hyper Text Transport Protocol
SROI — Subsequent Report of Injury
IPECILO — International Programme for the Elimination of Child Labour
NBIA — National Business Incumbation Association
FEP — Fair Employment Practices
R&C — Reasonable and Customary
CCAQ(PER) — Consultative Committee on Administrative Questions (Personnel and General Administrative Questions)
KFOR — UN Kosovo Force
OSDC — Over/Short/Damage/Claims
WCB — Workers Compensation Board
CFP — Clinical Financial Planner
WIA — Workforce Investment Act
PPBD — Programme Planning and Budget Division
EHLP — Emergency Homeowners Loan Program
KMI — Key Man Insurance
USCIS — US Citizenship and Immigration Services
FCA — Division for Finances, Control and Administration
FIRPTA — Foreign Investment in Real Property Tax Act
PBM — Pharmacy Benefits Management (or Manager)
BRB — Benefit Review Board
DUZ — Designated User
OES — Occupational Employment Statistics
ERD — Emergency Response Division
JSSA — Jury Selection and Service Act
GST — Generation-Skipping Transfer
ICDAIT — International Conference on Drug Abuse and Illicit Trafficing
DDB — Deemed death benefit
ASSE — American Society of Safety Engineers-Professional
PDM — Program Decision Maker
EPRS — Emergency Preparedness and Response Section
DESA — Department of Economic and Social Affairs
ODF — OpenDocument Format
UNMOVIC — United Nations Monitoring, Verification and Inspection Commission
ESOT — Employee Stock Ownership and Trust
ATP — Acquisition Training Program
EBX — Electronics Boutique X
RA — Resident Alien
POPIN — United Nations Population Information Network
VPFC — Variable Prepaid Forward Contract
PUT — Persons Using Television
WPRO — Western Pacific Regional Office
UNIS — United Nations Information Service
DSA — Disaster Debt Set-Aside Program
PDA — Public Displays of Affection
CO — Contracting Officer
PCB — Programme Coordination Board

TARP — Troubled Assets Relief Program
TPD — Third-party designee
SCIN — Self-canceling installment note
IPI — Industrial Protection Index
COFI — Committee on Fisheries
FABS — Financial and Business Solutions
UNHSP — United Nations Human Settlements Programme
GAS — Governmental Accounting Standards
BA — Business Architecture
CI — Control Item
SWA — State Workforce Agencies
HRC — Health Resource Center
VOC-REHAB — Vocational Rehabilitation
GPRS — General Packet Radio System
HRC — Historic Rehabilitation Credit
INRA — United Nations University Institute for Natural Resources in Africa
POP — Point-of-purchase
WMU — World Maritime University
SBO — Small Business Ombudsman
LTC — Long-Term Care
UNFIP — United Nations Fund for International Partnerships
FELA — Federal Employment Liability Act
SYD — Sum-of-the-years-digits
HUT — Households Using Television
QAIP — Quality Assurance and Improvement Plan
FCIC — Financial Crisis Inquiry Commission
PCNICC — Preparatory Commission for the International Criminal Court
NVSBE — National Veterans Small Business Engagement
T/B — Trial balance
CUNA — Credit Union National Assocation
ECU — Emergency Coordination Unit
BSAD — Baseline System Architecture Document
AIMS — Advertising and Integrated Marketing Solutions
HDRO — Human Development Report Office
VRP — Variable Rate Premium
WPPDA — Welfare and Pension Plan Disclosure Act
UNOV — United Nations Office at Vienna
UNMO — United Nations Military Observers
BRSP — Bureau for Resources and Strategic Planning
DEC — Deductible voluntary employee contributions
POD — Professional & Organizational Development
PL — Profit and Loss
SSDI — Social Security Disability Indemnity
TRD — Trade Relations Division
FUA — Federal Unemployment Account
UNMIK — United Nations Interim Administration Mission in Kosovo
IMFL — Indian-Made Foreign Liquor
SUB — Supplemental Unemployment Benefit
WRHSE — Warehouse
IIST — United Nations University International Institute for Software Technology

AIR — Assumed Investment Rate
COAG — Committee on Agriculture
VOC-ED — Vocational Education
FS — Forest Service (USDA)
ETR — United Nations Education and Training Programme
MF — Medical Facilities
IUR — Insured Unemployment Rates
CWSP — College Work-Study Program
OTR — Office of Thrift Supervision
CPS — Core Products and Services
ERCI — Employee Relocation Council Institute
BIMS — Business Information Management Suite
BRM — Business Relationship Meeting
UNGEGN — United Nations Group of Experts on Geographical Names
NR — Not Rated
FMSHA — Federal Mine and Safety Health Act
IAG — International Advisory Group
INWEH — United Nations University International Network on Water, Environment and Health
DOBI — Department of Defense Instruction
AFROWHO — Regional Office for Africa
SEI — Software Engineering and Integration
OASI — Old Age Survivors Insurance
MACC — Mine Action Coordination Centre
CCC — Cost Containment Center
UNPA — United Nations Protected Area
LAUS — Local Area Unemployment Statistics
NYMEX — New York Metal Exchange
HRIS — Human Resources Information Service
UNMA — United Nations Mission in Angola
ITC — International Training Centre
UNOB — United Nations Office in Burundi
BOY — Beginning of Year Violator
IM/DQ — Identity Management/Data Quality
NSDL — National Securities Depository Limited
MFST — Manifest
HOW — Homeowner Warranty Plan
COD — Country Operations Division
UNTPDC — United NationsTrade Point Development Centre
MINX — Multimedia Information Network Exchange (system)
LOW — Lack of Work
NRET — Non-Resident Withholding Tax
DME — Development/Maintenance/Enhancement
LTP — Long-Term Plan
UNRRA — United Nations Relief and Rehabilitation Agency
USENET — USEr NETwork
NVCA — National Venture Captial Association
AR — Architecture Requirements
NAWW — National Average Weekly Wages
NOIDA — New Okhla Industrial Development Authority
SOYD — Sum-of-the-years-digits

SLOB — Separate lines of business
NDNH — National Directory New Hires
SPDC — Special Political and Decolonization Committee
NST — National Sales Tax
ATNOL — Alternative Minimum Tax Net Operating Loss
WDC — Workforce Development Center
CRA — Credit Rating Agency
OAR — Overall Rate Of Return
CSCIS — Computer Software Configuration Items
NABE — National Association for Business Economics
VAMC — Va medical center
DBM — Disruptive Behavior Management
SEES — Survey Evaluation Exam System
HR — Headquarters Regulation
CBD — Chief Benefits Director
PH.D. — Doctorate Of Philosophy
UMTS — Universal Mobile Telephone System
CCS — Care Coordination Services
NCAER — National Council for Applied Economic Research
GEO — Global Environment Outlook Report
SE — Salaried Exempt
UNTAG — United Nations Transition Assistance Group
EMROWHO — Regional Office for the Eastern Mediterranean
CBC — Community Based Outpatient Clinic
CIFR — Committee on Improvements to Financial Reporting
HPS — Headquarters Procurement Section
HB — House B ill
WCC — Working capital cycle
EAT — Exchange Accommodation Titleholder
UNMEE — United Nations Mission in Ethiopia and Eritrea
CLO — Collaterialized loan obligation
K/A — Known as
NBER — National Bureau of Economic Research
ZBA — Zero-Balance Account
UNSF — United Nations Security Force in West New Guinea
UNIS — United Nations International School
CPK — Cost Per Keyword
DSRSG — Deputy Special Representative of the Secretary-General
JPAC — Joint Public Advisory Committee
CSO — Cyber Security Office
PEPPRA — Public Employee Pension Plan. Reporting and Accountability Act
UNICC — United Nations International Computer Centre
UNMOP — United Nations Mission of Observers in Prevlaka
EFAST — ERISA Filing Acceptance System
LTI — Lead Time Interval
IAS — United Nations University Institute of Advanced Studies
INTECH — United Nations University Institute for New Technologies
UNJSPB — United Nations Joint Staff Pension Board
EMA — Expense Management Automation
TDB — Trade and Development Board

VCL — Vacancy and collection losses
NTFO — Nationwide Tax Forums Online
PIRG — Public Interest Research Group
UNON — United Nations Office at Nairobi
SJ — Sales Journal
GAP — Gross amount paid
CCSQ(PROG) — Consultative Committee on Substantive Questions (Programme Matters)
UNPA — United Nations Postal Administration
SLSMN — Salesman
NAHB — NATIONAL ASSOCIATION OF HOMEBUILDERS
BLESS — Borrowing and Lending Securities Schemes
HEP — Humanitarian Evacuation Programme
SIA — Securities Industry Act of 1983
D&F — Determination & Finding
HAC — Health Administration Center
OUSG — Office of the Under Secretary General
NIB — New In the Box
B&P — Budgeting & planning
MDA — Market development funds
SYSTEM — Save YourSelf Time, Engergy, and Money (as reported by www.just15minutes.com)
SVNGS — Savings
EBO — Equity buy out
TP — Technical Proposal
ICDB — International Childrens' Day of Broadcasting
N/P — Note payable
UNASOG — United Nations Aouzou Strip Observer Group
SFI — Six-Figure Income
SCP — Sustainable Cities Programme
CPTAL — Capital
UNAT — United Nations Administrative Tribunal
SMP — Special Multiperil Policy
OHR — Office of Human Resources
SOS — Switched On Schoolhouse
SIPA — Securities Investment Protection Act
XUL — eXtensible UserInterface Language
UNDOC — United Nations Documents Index
UNTSO — United Nations Truce Supervision Organization
COFO — Committee on Forestry
WOSB — Woman-Owned Small Business
NBB — New Belgium Brewery
MRAM — Magnetic Random Access Memory
BEST — BrihnanMumbai Electric Supply and Transport
CCR — Central Contracting Registry
POS — Point-of-sale
WOTC — Workforce Opportunity Tax Credit
UNOMA — United Nations Observer Mission in Angola
D/N — Demand note
UNCPCJP — United Nations Crime Prevention and Criminal Justice Programme
SEBI — Securities Exchange Board of India
QCR — Quarterly Contributions Report

ICFY — International Conference on the Former Yugoslavia
LA — Labor Area
CORTS — Corporate-backed trust securities
UNPOB — United Nations Political Office in Bougainville
UNYOM — United Nations Yemen Observation Mission
SEPPAA — Single Employer Pension Plan Amendments Act
SECL — Secretarial
XRA — Expected Retirement Age
UNROAP — United Nations Regional Office for Asia and the Pacific
SUTCDC — Special Unit for Technical Cooperation Among Developing Countries
IPDC — International Programme for the Development of Communications
OALC — Office of Acquisition, Logistics, and Construction
TPA — Technical Practice Aide
SIU — Sets In Use
VETS — Veteran's Employment & Training Service
MGIC — Mortgage Guarantee Insurance Company
SSM — Software Service Manager
TEA — Transportation Efficiency Act
LT — Lost Time
NSTA — National Securities Trade Association
SPD — Division for Special Programmes Development
YSP — Yield-spread premium
ORD — Office Of Research And Development (USEPA)
NVC — National Veterans Conference
CCA — Consolidated Contracting Activity
CARDS — Custom Adjustable Rate Debt Structure
UNSMA — United Nations Special Mission to Afghanistan
PFA — Platform for Action
PATS — Planning, Architecture, Technology and Services
UR — Unemployment Rate
HEA — Health Enterprise Architecture
BIMST-EC — Bangladesh India Myanmar Srilanka Thailand - Economic Council
CORBAIIOP — CORBA Internet Inter ORB Protocol
NQPS — Nonqualified preferred stock
CFTA — Currency and Foreign Transaction Act
RRM — Renegotiated-Rate Mortgage
UNGIWG — United Nations Geographic Information Working Group
UNIKOM — United Nations Iraq-Kuwait Observation Mission
ND — Network Director
NTU — National Taxpayer's Union
LM — Last Month
MAT — Minimum Alternative Tax
HMO — Health Maintenance Organisation
IMF — International Monitary Fund
SBLC — Small Business Legislative Council
BAB — Build America Bonds
DRM — Division for Resources Mobilization
RMA — Restricted management account
SOPAC — South Pacific group of countries
VAAR — Department of Veterans Affairs Acquisition Regulation

CSBU — Center for Small Business Utilization
SOIR — Schaeffer Open Interest Ratio
LBO — Limited Buyout
UN-NADAF — United Nations New Agenda for the Development of Africa in the 1990s
CCPISA — Convention on the Privileges and Immunities of the Specialized Agencies
CPR — Committee of Permanent Representatives
ICE — Internal control evaluation
UNAMA — United Nations Assistance Mission to Afghanistan
PAHO — Pan American Health Office/Regional Office for the Americas of the WHO
FAS — Finance and Accounting System
COMP. — Item given for free
TSB — Targeted Small Business
UNPAAERD — United Nations Programme of Action for African Economic Recovery and Development
DC — Developed Countries
ECLAC — Economic Commission for Latin America and the Carebbean
WST — Waste Systems and Transportation
SARD — Sustainable Agriculture and Rural Development
CC — Copy To
B/S — Benefits/Services
PIP — Peace Implementation Programme
JUNIC — Joint UN Information Committee
CSI — Commissioners Standard Industrial Mortality Table
WBC — Women Business Center
GLSO — Group Legal Services Organization
IPC — Integrated Programme for Commodities
POP — Premium-Only Plan
ECS — Enterprise Class Storage
PWD — Prevailing Wage Determination
UNFICYP — United Nations Force in Cyprus
CATS — Certificate of accrual on Treasury securities
PSR — Presentence report
LPA — Local Plans of Action
NHCE — Non-Highly Compensated Employee
SMF/LDC — Special Measures Fund for the Least Developed Countries
FOIA — Freedome of Information Act
PBSI — Performance Based Salary Increase
CIMO — Commission for Methods of Observation
HR — Human Rights's
STD — Short-term Insurance
LTD. — Limited
C&P — Compensation & Pension
HST — Health Statistics
WCDMP — World Climate Data and Monitoring Programme
CCD — Centralized Contracting Division
BPA — Blanket purchase authoriation
STW — School-To-Work
ULC — Uniform Law Commissioners
VACO — VA Central Office
UNSC — United Nations Staff College
VWPT — Value Weighted Price Trading

WST — Waste Spare Time
PCA — Permanent Court of Arbitration
CIM — Corporate Information Model
UB — Unsafe Buildings
UNOL — United Nations Peace-Building Support Office in Liberia
ROLAC — Regional Office for Latin America and the Carribean
CCSQ(OPS) — Consultative Committee on Substantive Questions (Operational Activities)
WGEID — United Nations Working Group on Enforced or Involuntary Disappearances
NPA — National Plans of Action
UNICPO — United Nations Open-ended Informal Consultative Process on Ocean Affairs
UNRCPDA — United Nations Regional Centre for Peace and Disarmament in Africa
COCA — Cost of capital allowance
QWI — Quarterly Workforce Indicators
DCM — Department Cost Manager
UNFSTD — United Nations Fund for Science and Technology for Development
IMC — Integrated Market Communications
SBL — Small Business Liaisons
STCG — Short-Term Capital Gain
TOM — Traded Options Market
USITC — U.S. International Trade Commission
PPBA — Office of Programme Planning, Budget and Accounts
CCAQ(FB) — Consultative Committee on Administrative Questions (Financial and Budgetary Questions)
GTC — Good Till Canceled Order
TRD — Transfer of Development
TOE — Time is of the essence
MQT — Medicaid Qualifying Trust
ITARP — IT Activity Resource Proposal
WHOL. — Wholesale
OHRM — Office of Human Resources Management
TWAIN — Toolkit Without an Interesting Name
SP — Strategic Plan