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Business & Finance >> Business Word Abbreviations

Look through 2927 acronyms and abbreviations related to Business Word:

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

ROM — Read-Only Memory
FTP — File Transfer Protocol
ANSI — American National Standards Institute, Inc.
FMLA — Family Medical Leave Act
MBTI — Myers-Briggs Type Indicator
BCA — Business Continuity Plan
CSR — Customer Service Representative
W/O — Without
IT — Information Technology
FOMC — Federal Open Market Committee
5S — Seiri, Seiton, Seiso, Seiketsu, Shitsuke
HIPPA — Health Insurance Portability and Accountability Act
U&C — Usual and customary
B-TO-B — Business-To-Business
C-CPI-U — Chained Consumer Price Index for All Urban Consumers
U.S.C. — United States Code
EPA — Environmental Protection Agency (US)
ROM — Range Of Motion
JC PENNEY'S — James Cash Penney
F/B/O — For benefit of
COB — close of business (End of duty day)
ATM — Automatic Teller Machine
UNICEF — United Nations International Children's Emergency Fund
FTE — Full Time Equivalent
CADR — Cash available for distribution before debt reduction
E.O. — Executive Order
ACC — Accounting Classification Code
LIFO — Last In, First Out
IRC — Internet Relay Chat
IP — Internet Protocol
FIFO — First In, First Out
PDF — Portable Document Format (created by Adobe Acrobat)
UNESCO — United Nations Educational, Scientific and Cultural Organization
M/M — Month-over-month
LY — Last Year
ANOVA — Analysis of Variance (statistics)
RCNLD — Replacement Cost New Less Depreciation
ATF — As Trustee for
SSN — Social Security Number
FANNIE MAE — Federal National Mortgage Association (a privately owned corporation)
A/OPC — Agency/Organization Program Coordinator
ARO — After Receipt of Order
KPMG — Klynveld Peat Marwick Goerdeler
P&L — Profit and Loss statement
PPE — Personal Protective Equipment
NFI — Net Financial Income
P&Z — Planning & Zoning
W-A — Weighted average
RNFA — Return On Net Financial Assets
QC — Quality Control

CRFB — Committe for Responsible Federal Budget
M.O.M. — Middle of the month
NOC — Net Operating Capital
QSC — Quality, Service, Cleanliness (Ray Kroc's motto for McDonald's)
AFDC — Aid to Families with Dependent Children
CMO — Collateralized Mortgage Obligation
MOU — Memorandum of Understanding (an MOU between Food & Drug Administratin and a regulatory agency in another country allows mutual recognition of inspections)
QDRO — Qualified Domestic Relations Order
R&D — Research & Development
KPI — Key Performance Indicator
C.L.U.E. — Comprehensive Loss Underwriting Exchange
E&IT — Electronic and Information Technology
FAQ — Frequently Asked Questions (sometimes Pronounced Fak)
RFP — Request For Proposal
UBTI — Unrelated Business Taxable Income
A&MMS — Acquisition and Materiél Management Service
FISMA — Federal Information Security Management Act
ISP — Internet Service Provider
CAO — Chief Accounting Officer
SD — Standard Deviation
POD — Proof Of Delivery
IPCC — Intergovernmental Panel on Climate Change (WMO and UNEP)
CY — Calendar Year
WHO — World Health Organization
FAC-P/PM — Federal Acquisition Certification Program/Project Management
MTBF — Mean Time Before Failure
C.&F. — Cost and freight
FEMA — Federal Emergency Management Agency
CBPP — Center on Budget and Policy Priorities
U.S. DOL — United States Department of Labor
ASCII — American National Standard Code for Information Interchange
CBC — Complete Blood Count
TQM — Total Quality Management
LLC — Limited Liability Company
GM — Gross Margin
C-CPI — Chained Consumer Price Index
CBD — Cash Before Delivery
EDI — Electronic Data Interchange
MPC — Marginal Propensity to Consume
AAA — American Automobile Association
PO — Purchase Order
U.S. DOJ — United States Department of Justice
SALY — Same As Last Year
A&MM — Acquisition and Materiél Management
ACCT — Account
J/E — Journal entry
OA&L — Office of Acquisition and Logistics
IM/IT — Information Management/Information Technology
AA — Affirmative Action
GDP — Gross Domestic Product

ETA — Department of Labor's Employment and Training Administration
ATTN — Attention
O&M — Operation and Maintenance
AMD — Advanced Micro Devices, Inc. (producer of computer chips)
CEO — Chief Executive Officer
FF&E — Furniture, Fixtures & Equipment
AAA-CPA — American Association of Attorney-Certified Public Accountants
OECD — Organization for Economic Cooperation and Development
DIH — Days Inventory Held
I-TIPS — Information Technology Investment Portfolio System
EST — Eastern Standard Time
CD — Certificate of Deposit
DRIP — Dividend Reinvestment Plan
OJT — On the Job Training
MSDS — Material Safety Data Sheets
CCB — Change Control Board
GATB — General Aptitude Test Battery
M.ED — Masters in Education
EAP — Employee Assistance Program
GSM — Global System for Mobile Communications
FDIC — Federal Deposit Insurance Corporation
NPV — Net Present Value {economics}
POA — Power Of Attorney
BMW — Bayerische Motoren Werke (Bavarian Motor Works)
EGTRRA — The Economic Growth and Tax Relief Reconciliation Act of 2001
IRR — Internal Rate of Return
TBD — To Be Determined
AUP — Acceptable Use Policy
GIS — Geographic Information System
SPV — Special Purpose Vehicle (sometimes Single Purpose Vehicle)
OI — Operating Income
SMTP — Simple Mail Transfer Protocol
ABC — activity based costing
WACC — Weighted Average Cost Of Capital (accounting)
VPN — Virtual Private Network (ATM)
EU — European Union (1994; formerly referred to as the EEC or EC)
LOI — Letter Of Intent
IPO — Initial Public Offering
NFE — Net Financial Expense
FY — Fiscal Year
EEO — Equal Employment Opportunity
GP — Gross Profit
IBAN — International Bank Account Number
OTC — Over The Counter (medications not requiring a prescription)
ASME — American Society of Mechanical Engineers
WRLDWD — Worldwide
C&F — Cost and Freight
GPS — Global Positioning System (ex-NAVSTAR)
BOS — Behavior Observation Scale
BOV — Broker’s Opinion of Value

DOD — United States Department of Defense
COD — Cash On Delivery
SRAM — Static Random Access Memory (ess-ram)
CV — Curriculum Vitae
WAASE — Division for Western Asia, Arab States and Europe
ACH — Automated Clearing House
S&U — Sales and use
QCEW — Quarterly Census of Employment and Wages
EOQ — economic order quantity
USDA — United States Department of Agriculture
YUPPIE — Young Urban Professional
IDIQ — Indefinite Delivery, Indefinite Quantity
IBM — International Business Machines Corporation
VAGFE — VA-owned Government Furnished Equipment
RFQ — Request For Quotation
QA — Center for Quality Assurance in International Education
APPROX — Approximate
SLA — Service Level Agreement
EOD — End Of Day
BSA — Bank Secrecy Act
NAFEP — National Association of Financial and Estate Planning
OT — Overtime
EBITA — Earnings before interest taxes depreciation amortization
CPI — Consumer Price Index
NAFTA-TAA — NAFTA Transitional Adjustment Assistance
AWOL — Absent Without Leave
MIS — Management Information System (OSHA)
PDA — Personal Digital Assistant
ADP — Automated Data Processing
DKNY — Donna Karan New York
JIT — Just in time
INC — Intergovernmental Negotiating Committee
LC — Letter of Credit
COBRA — Consolidated Omnibus Budget Reconciliation Act of 1985
MTF — Medical Treatment Facility
AP — Accounts Payable
CIP — Carriage and Insurance Paid to
NGO — Non-governmental organization. (Red Cross/Crescent, Doctors without Borders, etc.)
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.
CPO — Cost Per Order
UTD — Under Trust Dated
IACSD — Inter-Agency Committee on Sustainable Development
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.
LLP — Limited Liability Partnership
BPML — Business Process Modeling Language
TSR — Total Shareholder Return
CRM — Customer Relationship Management
G2C — Government to Consumer
ITEP — Institute on Taxation and Economic Policy
EXCOM — Executive Committee

ADB — Asian Development Bank
RFI — Request For Information. Sales department shorthand. Special priority when use in conjunction with RFN (see below).
PGP — Pretty Good Privacy (encryption)
RAM — random-access memory
BFP — Bona Fide Purchaser
SAAS — Software as a Service
FDA — Food Drug Administration
AAR — Average Annual Return
ADL — activity of daily living
NDA — Non-Disclosure Agreement
RICO — Racketeer Influenced and Corrupt Organizations Act of 1970
BLS — Bureau of Labor Statistics of the United States Department of Labor
CBO — Congressional Budget Office
DVP — Delivery Versus Payment
DOT — Department of Transport
PAQ — Position Analysis Questionnaire
PIP — Performance Improvement Plan
ARB — Architecture Review Board
CAPEX — Capital Expenditure
DBA — Doing Business As
EE — Employee
JV — Joint Venture
HIPC — Heavily Indebted Poor Countries
ISDN — Integrated Services Digital Network
ADR — Alternative Dispute Resolution
CE&O — Customer education and outreach
CAE — Computer-Aided Engineering
ADR — American Depositary Receipt
CBA — Cost Benefit Analysis
CDO — Collateralized Debt Obligation
PC — Politically Correct
ARM — Adjustable Rate Mortgage
FIT — Financial institutions tax
DCP — Defined Contribution Plan
CIO — Chief Information Officer
AFL-CIO — American Federation of Labor and Congress of Industrial Organizations
NOPAT — Net Operating Profit After Tax
CMT — Constant Maturity Treasury
AMA — American Medical Association
IVR — Interactive Voice Response (telephone technology)
GATT — General Agreement on Tariffs and Trade (government)
GL — General Ledger
IRA — Individual Retirement Account
FLRA — Federal Labor Relations Authority's
ERP — Emergency Response Plan
NRI — Net Revenue Interest
NFO — Net Financial Obligations
MDGD — Management Development and Governance Division
FR — Federal Register
UPS — United Parcel Service, Inc.

DRAM — Dynamic Random Access Memory (dee-ram) (computing)
MTD — Month-to-date
RPI — Retail Price Index
AARP — American Association of Retired Persons
DES — Data Encryption Standard
FINRA — Financial Industry Regulatory Authority
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
IETF — Internet Engineering Task Force
LTCM — Long-Term Capital Management
LOB — Line Of Business
HVAC — Heating, Ventilation, and Air Conditioning
RFC — Request For Comment
COO — Chief Operation Officer
HMO — Health Maintenance Organization
POP — Point Of Presence (Internet)
CPM — Critical Path Method
LTV — Loan To Value
AUM — Assets Under Management
NOA — Net Operating Assets
WML — Wireless Markup Language
FAS — Free Alongside Ship
SG&A — Selling, general, and administrative expenses
DFA — Department of Finance and Administration
CBT — Computer Based Training
PC — Personal computer (host)
FICCO — Fair Issac Credit Organization
ASP — Active Server Page
QTY — Quantity
UCC — Uniform Commercial Code
CFR — Code of Federal Regulations
GNP — gross national product (economics)
ROE — Return On Equity
QOS — Quality of Service
IMF — International Monetary Fund
FAA — Federal Aviation Administration
ABM — Activity Based Management
EO — Executive Order
ICFR — Internal Control Over Financial Reporting
CIM — Computer Integrated Manufacturing
STD — Standard
AD — Advertisement
PPO — Preferred provider organization
RTO — Reverse Take-Over
FAR — Federal Acquisition Regulation
HROD — Human Resources and Organizational Development
AGI — Adjusted Gross Income
ROIC — Return on Invested Capital
ICAO — International Civil Aviation Organization
SAN — Storage Area Network
DOE — United States Department of Energy (government)

ASP — Application Service Provider
ADA — Americans With Disabilities Act Of 1990 (Text Of ADA Legislation)
AER — Annual Equivalent Rate
ADR — American Depository Receipt
MSRP — Manufacturer's Suggested Retail Price
SKU — Stock Keeping Unit
CFROI — Cash Flow Return on Investment
IPS — Investment Policy Statement
ROI — Return on Investment
EEOC — Equal Employment Opportunity Commission
DUSHOM — Deputy Under Secretary for Health for Operations and Management
CMS — Content Management System
PV — Present Value
CPC — Cost Per Click-through
NYSE — New York Stock Exchange
IRS — U.S. Internal Revenue Service
CDC — Center for Disease Control and Prevention
ADP — Actual Deferral Percentage
3M — Minnesota Mining And Manufacturing Company
EOY — End-Of-Year
Y/Y — Year-over-year
P&G — Proctor and Gamble
CTR — Currency Transaction Report
PD — Position Description
RONA — Return On Net Assets
WIP — Work in Process
AMEX — American Stock Exchange
ITU — International Telecommunication Union
ANCOM — Andean Common Market
PNG — Portable Network Graphics (graphic file standard/extension)
YTM — Yield to Maturity
OMB — Office of Management and Budget (U.S.)
AON — Angolan New Kwanza
IFRIC — International Financial Reporting Interpretations Committee
SDR — Special Drawing Rights
ITIN — Individual Taxpayer Identification Number
LMRA — Labor Management Relations Act
PNP — Plug aNd Play
DNS — Domain Name System
APT — Arbitrage Pricing Theory
CFM — Construction Facility Management
ABO — Accumulated Benefit Obligation
VC — Venture Capital
EDWOSB — Economically disadvantaged woman-owned business
CP — Commercial Paper
PE — Private Equity
NAB — Non-accrual basis
REO — Real Estate Owned
B/L — Bill of Lading
TIN — Taxpayer Identification Number

ALM — Asset Liability Management
F/K/A — Formally known as
NATO — North Atlantic Treaty Organisation
PRI — Primary Rate Interface (ISDN)
SLIP — Serial Line Interface Protocol
CTS — Carpal Tunnel Syndrome
REIT — Real Estate Investment Trust
ARC — American Red Cross
ALDEP — Automated Layout Design Programs
RAM — Reverse Annuity Mortgage
CMA — Comparative Market Analysis
PDM — Product Data Management
DC — Defined Contribution
CFO — Communication Filing Officer
ETR — Effective Tax Rate
ROR — Return on Revenue
SQA — Software Quality Assurance
BOD — Board of Directors (Budget)
CRO — Chief Risk Officer
RIF — Reduction In Force
UNDMT — United Nations Disaster Management Team
A&W — Allen & Wright (Roy Allen and Frank Wright combined their initials to name A&W Root Beer in 1922)
CRS — Congressional Research Service
COLA — Cost of Living Adjustment (or Allowance)
PM — Performance Management
BI — Business Intelligence
SIC — Standard Industrial Classification (Code)
IATA — International Air Transport Association
AED — United Arab Emirates Dirham
EMA — Exponential Moving Average
HR&A — Human Resources and Administration
LWDI — Lost Work Day Injury Rate
LOC — Line Of Credit
PFA — Prevention of Food Adulteration Act
AE — Account Executive
ROG — Receipt Of Goods
EFT — Electronic Funds Transfer
FOIA — Freedom of Information Act
POP — Point Of Purchase
FOB — Free On Board
CPA — Certified Public Accountant
GRUT — Grantor Retained Unitrust
IOC — Intergovernmental Oceanographic Commission
BHAG — Big Hairy Audacious Goal
FAO — Food and Agriculture Organization of the United Nations
BOL — Bill Of Lading
DJIA — Dow Jones Industrial Average
GOI — Gross Operating Income
C&B — Compensation and Benefits
GSA — U.S. General Services Administration

G2G — Government to Government
AM — Asset Management
GMP — Good Manufacturing Practice
IMAP — Internet Message Access Protocol
CBIT — Comprehensive Business Income Tax
DOJ — Department of Justice (US)
ARNP — Advanced Registered Nurse Practitioner
TDC — Total Direct Compensation
AFDA — Allowance for Doubtful Accounts
ICE — Intrusion Countermeasures Electronics
D/O — Delivery Order
DPKO — Department of Peacekeeping Operations
DMAIC — Define, Measure, Analyze, Improve, Control
BOMA — Building Owners and Managers Association
GRAT — Grantor Retained Annuity Trust
STSFCTN — Satisfaction
ESP — Exchange Stock Portfolio
NNN — Triple Net (Lease)
PFD — Preferred
UI — User Interface
POE — Point of Entry
ABS — Automated Bond System
POCS — Points of Contact
IBRD — International Bank For Reconstruction And Development (part Of The World Bank)
ACRS — Accelerated Cost Recovery System (finance)
AMT — Amount for Married Taxpayers
HQ — Headquarters (HDQ Preferred)
A&H — Accident and health insurance
NIH — NATIONAL INSTITUTE OF HEALTH
CISO — Chief Information Security Officer
FUBU — For Us By Us
AGR — Adjusted Gross Revenue
APY — Annual Percentage Yield
PC — Percent
DSO — Day Sales Outstanding
BD — Business Development
IAEA — International Atomic Energy Agency
IP — Intellectual Property
MSA — Metropolitan Statistical Area
JOA — joint operating agreement
OTB — Open To Buy
CUM PFD — Cumulative preferred
NIBCL — Non-interest bearing current liabilities
P2P — Peer to Peer (as in music file sharing systems like KaZaA)
KSOP — 401(k) Employee Stock Option Plan
IRC — Internal Revenue Code of 1986
LMI — Labor Market Information
NSC — National Security Council
CTO — Chief Technology Officer
BEA — Bureau of Economic Analysis

DAC — Delivery Against Cost
JD — Job Description
FTA — Free-Trade Agreement
DMA — Designated Market Area
OTCEI — Over the Counter Exchange of India (stock exchange)
GRM — Gross Rent Multiplier
COOP — Continuity of Operations
EIN — Employer Identification Number
DRP — distribution requirements planning
HAZMAT — Hazardous Material
MIGA — Multilateral Investment Guarantee Agency
NTIS — National Technical Information Service Technology Administration
SEPG — Software Engineering Process Group
CF — Cash Flow
NFA — Net Financial Assets
GA — General Assembly
IMO — International Maritime Organization
AD&D — Accidental Death and Dismemberment
SCM — Supply Chain Management
HR — HUMAN RESOURCES
WC — Worker's Compensation
COGS — Cost of Goods Sold
FCC — Federal Communications Commission (US)
Q — Quarter
RSF — rentable square feet
SRM — Supplier Relationship Management
AIG — American International Group, Inc
ACWP — actual cost for work performed
CR — Continuing Resolution
ROCE — Return On Capital Employed
CFA — Chartered Financial Analyst
SGLI — Servicemember Group Life Insurance
IDIT — Intentionally defective irrevocable trust
AT&T — American Telephone and Telegraph (U.S. company, also known as "Ma Bell")
CPM — Certified Property Manager
DCF — discounted cash flow rate
LFPR — labor force participation rate
WWW — World Weather Watch
CV — Cost Variance
PMI — Private Mortgage Insurance
MVIC — Market Value of Invested Capital
MBA — Mortgage Bankers Association of America
HR — Headquarters Report
CASB — Cost Accounting Standards Board
ROTA — Return On Total Assets
AMF — American Machine & Foundry (bowling lane operators and former owners of Harley Davidson motorcycles)
AAA — authentication, authorization, and accounting
EPS — Earnings per share
FOREX — Foreign Exchange
NPW — Net Present Worth

TCO — Total Cost of Ownership
LOA — Leave Of Absence
UNEP — United Nations Environment Program
AMA — American Management Association
RR — retention rate
NAM — National Association of Manufacturers
GSF — Gross Square Feet
GRP — Gross Rating Point
CTO — Compensatory Time Off
LWP — Leave With Pay
UN — United Narions
MSA — Medical Savings Account
OPR — Other People's Resources
JD — Juris Doctorate
EP — Earned Premium
RMP — Risk Management Plan
CIMA — Chartered Institute of Management Accountants
JGTRRA — Jobs and Growth Tax Relief Reconciliation Act
BIW — Biweekly
BAFO — Best and Final Offer
FICA — Federal Insurance Contribution Act
AICPA — L'American Institute of Certified Public Accountants
BS — Balance Sheet
FINCEN — Financial Crimes Enforcement Network
OA — Operating Assets
ABP — Average Benefit Percentage
BPA — Blanket Purchase Agreement
B2B — Business to Businesse
GMWB — Guaranteed Minimum Withdrawal Benefit
AQL — Acceptable Quality Level
PM — Program Manager
DBA — Data Base Administrator
EV — Enterprise Value
DOL — United States Department of Labor
NAV — Net Asset Value
ETF — Exchange Traded Fund
AOV — Average Order Value
4P — Price, Product, Place and Promotion
PERT — Program Evaluation and Review Technique
OASDI — Old Age Survivors Disability Insurance
MAD — Mean Absolute Deviation
DCR — Debt Coverage Ratio
CCAQ — Consultative Committee on Administrative Questions
BCR — Benefit/Cost Ratio
CPM — Corporate Performance Management
DPP — Direct Participation Program
ERISA — Employee Retirement Income Security Act
ROGFA — Return on Gross Fixed Assets
UIM — Underinsured Motorist
BOO — Build Own Operate

OPM — Office of Personnel Management
BLM — Bureau of Land Management of United States Department of the Interior
OSHA — Occupational Safety and Health Act (1970)
IM — Information Management
SM — Service Mark
MIRR — Modified Internal Rate of Return
EOE — Equal Opportunity Employer
KSAO — Knowledge, Skills, Abilities and Other
ABA — American Bankers Association
TER — Total Expense Ratio
BOE — Bank of England
CMM — Capability Maturity Model
ACO — Administrative Contracting Officer
DCA — Dollar Cost Averaging
NT — Near-Term
TM — Trademark
RO — Regional Office
GRIT — Grantor Retained Income Trust
SAR — Stock Appreciation Right
SOHO — Small Office Home Office
NOI — Net Operating Income
CUSFTA — Canada-US Free Trade Agreement
IANA — Internet Assigned Numbers Authority
CMO — Chief Marketing Officer
SAR — Suspicious Activity Report(ing)
EVA — Economic Value Added
PPI — Producer Price Index
PVGO — Present Value of Growth Opportunities
CPM — Continuous Passive Motion
EBT — Earnings Before Tax
RISC — Reduced Instruction Set Computer
AJE — Adjusting Journal Entry
BRI — Basic Rate Interface
CASE — computer-automated software engineering
MSN — Microsoft Network
DUSH — Deputy Under Secretary for Health
CIP — Capital Investment Proposal
GAO — Government Accountability Office [formerly the General Accounting Office]
ADB — African Development Bank
FTC — Federal Trade Commission (U.S.)
PSA — Public Service Announcement (radio/TV Term)
ATO — Asset Turnover
IFRS — International Financial Reporting Standard
SBU — Strategic Business Units
ADP — Average Deferral Percent
WC — Working Capital
WHOL. — Wholesale
BOOT — Build Own Operate Transfer
TTM — Trailing Twelve Months
SSI — Supplemental Security Income

RTF — Rich Text Format
SAM — Shared-Appreciation Mortgage
UNRWA — United Nations Relief and Works Agency for Palestine Refugees in the Near East
COS — Chief of Staff
STP — Software Test Plan
FPL — Federal Poverty Level
TCN — Third Country National
T&C — Terms & Conditions
POC — Proof of Claim
RAID — Redundant Array of Inexpensive Disks
PM — Project Manager
FCRA — Fair Credit Reporting Act
CRT — Charitable Remainder Trust
STR — Software Test Report
PD — Paid
SEM — Search Engine Marketing
FRF — Financial Reporting Framework
MSA — Merit Salary Adjustment
OAS — Option Adjusted Spread
CROGI — Cash Return on Gross Investment
FSA — Flexible Spending Account
OJT — On-The-Job-Training
B.A. — Bachelor of Arts
FASAB — Federal Accounting Standards Advisory Board
SMT — Senior Management Team
SUA — Convention for the Suppression of Unlawful Acts Against the Safety of Maritime Navigation
ITF — In Trust For
BIS — Bank of International Settlements
CAPM — Capital Asset Pricing Model
XTML — eXtensible Telephony Markup Language
HUD — Department of Housing and Urban Development (U.S.)
NI — Net Income
DI — Disability Insurance
JPEG — Joint Photographic Experts Group (24-bit image storage format)
ERP — Estimated Retail Price
GIF — Graphic Interchange Format
CRAT — Charitable Remainder Annuity Trust
ODA — Official Development Assistance
EIS — Environmental Impact Statement (US)
SC — Security Council
MLS — Multiple Listing Service
APV — Adjusted Present Value
CPR — Cardio-Pulmonary Resuscitation
IFB — Invitation For Bid
SNA — System of National Accounts
AGC — Associated General Contractors of America
CPP — Capital Purchase Program
FDCPA — Fair Debt Collection Practices Act
ROW — Right-Of-Way
ESOP — Employee Stock Ownership Plan

ROS — Return on Sales
DBMS — Data Base Management System
ERV — Estimated Rental Value
LTD — Limited
WRKSHP — Workshop
MPS — Marginal Propensity to Save
MA — Moving Average
BOP — Bureau Of Prisons
CDL — Commercial Driver's License
BBB — Better Business Bureau's
FTE — Full-Time Employee
COE — Certificate of Eligibility
GPO — Government Printing Office
BDF — Beneficiary Designation Form
ZIP — Zone Improvement Plan
HSA — Health Savings Account
F2F — Face-to-Face Meeting
CAGR — Compounded Annual Growth Rate
ASB — Accounting Standards Board
PHP — PHP Hypertext Processor
PW — present worth
ACV — Actual Cash Value
HDI — Human Development Index (UNDP yardstick of human welfare)
ISO/MSP — Independent sales organization/Member service provider
SAS — Statement on Auditing Standards
VISN — Veterans Integrated Service Network
COTR — Contracting Officer Technical Representative
CSRS — Civil Service Retirement System
HELOC — Home Equity Line of Credit
BOT — Board of Trustees
PAT — Profit After Tax
MEC — Modified Endowment Contract
VSNL — Videsh Sanchar Nigam Limited
EFA — Education for All
WMO — World Meteorological Organization (ICSU)
LWO — Leave without pay
BCP — Business Continuity Plan
SEO — Search Engine Optimizer
CMA — Certified Management Accountant
EPA — Equal Pay Act
ETA — Employment and Training Administration
GED — General Equivalency Diploma
UNSCO — Office of the United Nations Special Coordinator for the Middle East
SSA — Social Security Administration
CHR — Commission on Human Rights
MC — Market Capitalization
ICC — International Criminal Court
TIL — Truth in Lending
ADI — After Date of Invoice
CPM — Cost Per Thousand

CMA — Certified Management Accountant
RWA — Risk Weighted Asset
L/C — Letter of Credit
PBO — Projected Benefit Obligation
BNA — Bureau of National Affairs, Inc.
TIPS — Treasury Inflation-Protected Securities
ATOI — After Tax Operating Income
CC — Civil Code
CAFTA — Central American Free Trade Agreement
OCR — Overall Capitalization Rate
PTO — Paid Time Off
POD — Payable on Death
ITC — Information Technology Center
OID — Original Issue Discount
EOB — Explanation Of Benefits
3PL — Third Party Logistics
TL — Truckload
CBCMC — Clinical Bar Code Multidisciplinary Committee
HCFA — Health Care Financing Administration
VA — Veterans Administration
G2B — Government to Business
ITLOS — International Tribunal for the Law of the Sea
TRO — Temporary Restraining Order
LTO — Long-Term Option
S&P — Standard & Poor's
ATCF — After Tax Cash Flow
MOM — Message Oriented Middleware
TDA — Tax Deferred Annuity
HHS — Health and Human Services Department
IRCA — Immigration Reform and Control Act
BARS — Behaviourally-Anchored Rating Scale
LTIP — Long-Term Incentive Plan
NAVPS — Net Asset Value Per Share
XHTML — Extensible Hypertext Markup Language
APR — Annual Percentage Rate
A/P — Accounts Payable
SNF — Skilled Nursing Facility
POS — Point of Service Plan
CGT — Capital Gains Tax
DTA — Deferred tax assets
MANOVA — Multivariate Analysis of Variance
CME — Chicago Mercantile Exchange
UNU — United Nations University
CEN — Committee European de Normalisation
LOS — Length of Stay
CORBA — Common Object Request Broker Architecture
SEC — Securities and Exchange Commission (US)
B&P — Bid & Proposal
ICANN — Internet Corporation for Assigned Names and Numbers
IDR — Issuer Default Rating

SLS — Sales
QTD — Quarter-to-Date
TCE — Tangible Common Equity
FMS — Financial Management Service
MRO — Maintenance, repair, and overhaul
COI — Conflict Of Interest
RULPA — Revised Uniform Limited Partnership Act
UNFPA — United Nations Fund for Population Activities (see www.unfpa.org)
DUNS — Data Universal Numbering System
FFIEC — Federal Financial Institutions Examination Council
SBLC — Standby Letter of Credit
VIE — Variable Interest Entity
CICA — Competition in Contracting Act (1984)
TPL — Third-Party Liability
CUPA — College and University Personnel Association
GFE — Good Faith Estimate
MER — Management Expense Ratio
CODASYL — Committee on Data Systems Languages
BOT — Balance of Trade
HR — Human Resource
LLLP — Limited Liability Limited Partnership
BRD — Business Requirements Documentation
SOA — Service-Oriented Architecture
WIP — Work In Progress (process)
CRC — Committee on the Rights of the Child
ESCAP — Economic and Social Commission for Asia and the Pacific (UN)
CIT — Corporate Income Tax
CPG — Consumer Packaged Goods
IC — Internal Control
ITC — Information Technology Conference
DDU — destination delivery unit
CSA — Cost Sharing Arrangement
OE — Operating Expense
WTO — World Trade Organisation
UPU — Universal Postal Union
EXP — Export
LBO — Leveraged Buyout
WFC — World Food Council
IBC — Independent Breweries Company (original manufacturer of IBC Root Beer)
GPP — Gross Profit Percentage
ROOA — Return on Operating Assets
HIBOR — Hong Kong interbank offered rate
ABA — Accredited Business Accountant
ART — Annual Renewable Term (life insurance)
AO — Authorizing Official
ECOSOC — Economic and Social Council of the United Nations
ROFR — Right of First Refusal (finance)
QPRT — Qualified Personal Residence Trust
RESPA — Real Estate Settlement Procedures Act
AD & D — Accidental Death and Dismemberment

NAR — National Association of Realtors
CBOT — Chicago Board of Trade
WAP — Wireless Application Protocol
PRP — Preferred Risk Policy
ASEAN — Association of South East Asian Nations
ASAE — American Society of Association Executives
GPI — Gross potential income
CGS — Cost of Goods Sold
AMPS — Auction Market Preferred Stock
AGT — Agent
RO/RL — Rool on/roll off
CDHP — consumer-driven health plan
CAM — Common Area Maintenance (charges related to commercial leases)
ISO — Independent Sales Organization
CAI — Computer Assisted Instruction
FASAC — Financial Accounting Standards Advisory Council
CUM — Cumulative
ALJ — Administrative Law Judge
ST — Short-Term
MACRS — Modified Accelerated Cost Recovery System (IRS)
FAK — Freight all kinds
B&O — Business and Occupation
ADJ — Adjust
FMV — Fair Market Value
EURIBOR — Euro Interbank Offered Rates
USP — Unique Selling Point
ECP — Engineering Change Proposals
ITA — International Trade Administration
DTI — Department of Trade and Industry (UK)
BU — Bargaining Unit
CNF — Cost, not freight
MIME — Multipurpose Internet Mail Extension
POQ — Periodic Order Quantity
VDT — Video Display Terminal
CSO — Commissioners Standard Ordinary
DB — Defined Benefit (retirement Plan; For Example, A Pension)
ACP — Average Contribution Percentage
IDA — International Development Association
POP — Public Offering Price
LSE — London Stock Exchange
PY — Prior Year
CEU — Continuing Education Unit
SMA — Simple Moving Average
PHC — Personal Holding Company
AIA — American Institute of Architecture
RTW — Return To Work
UGMA — Uniform Gifts to Minors Act (largely replaced by UTMA)
EOM — End Of Month
ECB — European Central Bank
TAN — Tax Anticipation Note

FFO — Funds from operations
LBB — Legislative Budget Board
IRIN — Integrated Regional Information Networks
HDML — Handheld Device Markup Language
REPO — Repurchase Agreement
ADR — Asset Depreciation Range (finance)
RRSP — Registered Retirement Savings Plan (Canada; Roughly Equivalent To The IRA In The U.S.)
UNCED — United Nations Conference on Environment and Development
SB/SDB — Small Business/Small Disadvantaged Business
PITI — Principal, Interest, Taxes, and Insurance
NAFTA — North American Free Trade Agreement
CCP — Certified Compensation Professional
SS — Social Security
RP — Repurchase Agreement
UNZAP — United Nations Zambia Assistance Programme
OASDHI — Old Age, Survivors, Disability and Health Insurance Act
NCOA — National Change Of Address
DOC — Doctor
UIC — Unemployment Insurance Commission (Canada, archaic)
EEPROM — Electric Erasable Programmable Read Only Memory
FUTA — Federal Unemployment Tax Act
PM — Profit Margin
TAM — Television Audience Measurement
RR — Revenue Ruling
AMID — Allowable Miscellaneous Itemized Deductions
UNCTAD — United Nations Conference on Trade and Development
AFTP — Anonymous File Transfer Protocol
PHR — Professional in Human Resources Certification
AR — Accounts Receivable
ISO — International Standard Organisation
CA — Confidentiality Agreement
A/R — Accounts Receivable
LEPO — Low Exercise Price Option
UNFCCC — United Nations Framework Convention on Climate Change
LT — Lead Time
CVP — Cost-Volume-Profit
SEP — Simplified Employee Pension
LMRDA — Labor-Management Reporting and Disclosure Act of 1959
FASAB — Financial Accounting Standards Advisory Board
IPCS — International Programme on Chemical Safety
INC. — Incorporated
CIX — Commercial Internet Exchange
CERD — Committee on the Elimination of Racial Discrimination
CHRO — Chief Human Resource Officer
PTP — Publicly Traded Partnership
CAFR — Comprehensive Annual Financial Report
MI — Mortgage Insurance
IRDA — Insurance Regulatory Development Authority
REV. PROC. — Revenue Procedure
EPTA — Expanded Programme of Technical Assistance

RFQ — Request For Quote
TDI — Temporary Disability Insurance
ISO — Incentive Stock Option
IFAD — International Fund for Agricultural Development (UN)
ITIL — Information Technology Infrastructure Library
LEC — Local Exchange Carrier
EOI — Expression Of Interest
BOC — Budget Object Code
DOH — Days inventory On Hand
FCF — Free Cash Flow
GE — General Electric American Communications Inc.
EPZ — Export Processing Zone
EISA — Extended Industry Standard Architecture
UNCIP — United Nations Commission for India and Pakistan
CPI — Cost Performance Index
GSI — general salary increase
BCC — Blind Copied
SBLI — Savings Bank Life Insurance
MDB — Multilateral Development Bank
D&O — Directors and Officers Liability
CIMC — Certified Investment Management Consultant
NASDAQ — National Association for Security Dealers and Automatic Quotation
AMTI — Alternative Minimum Taxable Income
CPIC — Capital Planning and Investment Control
AOQL — Average Outgoing Quality Level
NLRB — National Labor Relations Board
UNAMIC — United Nations Advance Mission In Cambodia
FITW — Federal Income Tax Withholding
CFC — Chartered Financial Consultant
LF — Labor Force
MUPLA — Model Uniform Products Liability Act
EIC — Earned Income Credit
UNHCR — United Nations High Commissioner for Refugees Program
FTD — Federal Tax Deposit
C&I — Commercial and industrial customers (Electricity transmission)
ATB — Across the Board
ATP — Accredited Tax Preparer
MMDA — Money Market Deposit Account
PERL — Practical Extraction and Report Language
OCF — Operating Cash Flow
NFIP — National Flood Insurance Program
ECA — Economic Commission for Africa
ESO — Employee Stock Option
ECE — Economische Commissie voor Europa (United Nations) (Dutch: Economic Commission for Europe)
CDI — Category Development Index
CEPS — Cash Earnings Per Share
SB — Senate Bill
QMAC — Qualified Matching Contributions
RAP — Regulatory Accounting Principles
SGA — Substantial Gainful Activity

RIA — Registered Investment Advisor
LTA — Long-Term Agreement
CFAT — Cash Flow After Taxes
ASTD — American Society for Training and Development
MPEG — Moving Picture Experts Group (International Standards Organisation/International Electrotechnical Commission)
PIK — Payment in Kind
FFY — Federal Fiscal Year
UR — Utilization Review
SDB — Small Disadvantaged Business
PFS — Personal Financial Specialist
TEV — Total Enterprise Value
CIF — Cost, Insurance, and Freight (Paid) (shipping)
PDQ — Position Description Questionnaire
FNA — Financial needs analysis
FMLA — Family and Medical Leave Act
LFY — Last Fiscal Year
PY — Program Year
CMBS — Commercial mortgage-backed securities
SIPC — Securities Investor Protection Corporation
PDA — Personal Data Assistant
CAD — Cash Available for Distribution
IASC — Inter-Agency Standing Committee
RE — Residual Earnings
OIOS — Office of Internal Oversight Services
FHLMC — Federal Home Loan Mortgage Corporation, United States
DIP — Debtor In Possession
DOI — Date of Injury
D&F — Determination & Finding
DRP — Disaster Recovery Plan
QMCSO — Qualified Medical Child Support Order
TAM — Technical Advice Memorandum
ADEA — Age Discrimination in Employment Act's
AAG — Audit and accounting guides
SAT — Scholastic Aptitude Test
AFR — Applicable Federal Rate
FERC — Federal Energy Regulatory Commission (U.S.)
BPM — business process management
SBO — Small Business Owner
T&D — Training and Development
BRIC — Brazil, Russia, India and China
PDA — Payday Advance Loan
FS — Financial Statement
A/E — Architect/Engineer
GL — General Liability
UNHCHR — United Nations High Commissioner for Human Rights
CCL — Center for Creative Leadership
GIF — Guaranteed Investment Fund
CFA — Consumer Federation of America
FHA — Federal Housing Administration
SA — Seasonally Adjusted

SC — Securities Commission
BID — Business Improvement District
NOW — Negotiable Order of Withdrawal
IPTF — International Police Task Force
LIBOR — London interbank offering rate
COD — Cancellation of Debt
AMTFTC — Alternative minimum tax foreign tax credit
WIPO — World Intellectual Property Organization
NAICS — North American Industry Classification System
CIO — Chief Investment Officer
ASU — Accounting Standards Update
DM — Direct Mail
HRM — Human Resource Management
LC — Limited Company
ECF — Extended Care Facility
ACC — Administrative Committee on Coordination
CCI — Consumer Confidence Index
ESI — Electronically Stored Information
GAAP — Generally Accepted Accounting Procedures
FASB — Financial Accounting Standards Board
ECI — Employment Cost Index
BRC — Business Reply Card
ATU — Annual Tax Unit
WTO — World Tourism Organization
SDD — Software Design and Development
SOL — Statute of Limitations
ADC — Acquisition, Development, and Construction
SSD — Social Security Disability
NCSA — National Center for Supercomputing Applications
TSR — Terminate and Stay Resident [software program]
PEO — Professional Employer Organization
GOOS — Global Ocean Observing System (IOC, UNESCO, WMO, and ICSU)
EA — Enrolled Agent
REV. RUL. — Revenue Ruling
NCUSIF — National Credit Union Share Insurance Fund
OL — Operating Liabilities
SBC — Southwestern Bell Corporation
AIME — Average Index Monthly Earnings
A&S — Accident and sickness insurance
LPA — Licensed Public Accountant
CSO — Central Statistical Organisation
SCA — Service Contract Act
CUM DIV — Cumulative dividend
PE — Price-earnings ratio
NCA — National Cemetery Administration
DPP — Deferred Payment Plan
CFS — Container Freight Station
CS — Cost-Sharing
RIC — Regulated Investment Company
MRQ — Most Recent Quarter

GICS — Global Industry Classification Standards
CTV — Capital Timber Value
TRA — Tax Reform Act
AFP — Association for Financial Professionals
DCAA — (U.S.) Defense Contract Audit Agency
MTL — Multi-Level Marketing
PRC — Peer Review Committee
DSPP — Direct Stock Purchase Plan
CPI-W — Consumer Price Index for Urban Wage Earners and Clerical Workers
GOV — Government Owned Vehicle
ERS — Economic Research Service
LOR — Letter Of Response
NAIC — National Association of Insurance Commissioners
PHI — Protected Health Information
FAS — Financial Accounting Standards
MLR — Medical Loss Ratio
PDA — Pregnancy Discrimination Act
GR — General Revenue
ILIT — Irrevocable Life Insurance Trust
EA — Electronic Arts Inc (NASDAQ Stock Exchange [NASDAQ])
TWA — Time Weighted Averages
TIC — Tenant In Common
GPM — Graduated Payment Mortgage
AL — Assisted Living
SE — Self Employed
LM — Last Month
IDP — Internally Displaced Person
ERM — Enterprise Risk Management
AAAA — American Association of Advertising Agencies
SUTA — State Unemployment Tax Act
REC — Renewable Energy Certificate
CUSIP — The Committee Of Uniform Security Identification Procedures
JOLTS — Job Openings and Labor Turnover Survey
CGMA — Chartered Global Management Accountant
LDI — Liability Driven Investment
C&D — Cease and Desist
MOF — Ministry Of Finance
WRA — Weighted Risk Assets
WT — Warrant
UNA — United Nations Association
SBAP — Small Business Assistance Program
EOI — Evidence of Insurability
EPI — Expanded Programme on Immunization
VAT — Value-added taxes
CK — Calvin Klein
BRE — Business Reply Envelope
FRB — Federal Reserve Board
CLAT — Charitable Lead Annuity Trust
CSHO — Compliance Safety and Health Officer
HCM — Human Capital Management

SOS — Sound On Sound
TTD — Temporary Total Disability
ALEX — AUTOMATED LABOR EXCHANGE
GST — Goods and Services Taxation
CGQ — Corporate Governance Quotient
HDAPT — Hybrid domestic asset protection trust
ATR — Americans for Tax Reform
PSI — Performance Salary Increase
PBGC — Pension Benefit Guaranty Corporation
BSM — Black-Scholes-Merton
BAT — Business Activity Tax
BDC — Business Development Center
GA — General Agent
PCI — Per Capita Income
F&F — Furniture & Fixtures
ROA — Return on assets
OHCHR — Office of the United Nations High Commissioner for Human Rights
FCFE — Free Cash Flow to Equity
DIO — Days Inventory Outstanding
VSOE — Vendor-Specific Objective Evidence
ACASTD — Advisory Committee on the Application of Science and Technology to Development
CMYK — Cyan, Magenta, Yellow, Black
DRO — Domestic Relations Order
CBA — Controlled Business Arrangement
TRUPS — Trust Preferred Securities
NDNH — National Directory of New Hires
TPD — Temporary Partial Disability
DFL — Degree of Financial Leverage
RAN — Revenue Anticipation Note
CEA — Chief Enterprise Architect
NOL — Net Operating Loss
PAAS — Platform-as-a-Service
SCORE — Service Corps Of Retired Executives
PLR — Private Letter Ruling
ADS — Alternative Depreciation System
CSO — Chief Security Officer
LT — Long Terme
GAAS — Generally Accepted Auditing Standards. Perhaps only marginally less contradictory than GAAP, but they do exist, honestly.
MLM — Multi-Level Marketing
IAM — Identity and Access Management
BCFD — Billion Cubic Feet per Day
NMS — Normal Market Size
LOB — Line-Of-Balance
MCC — Mortgage Credit Certificate
UCI — Unemployment Compensation Insurance
NL — No-Load
SOP — Statement Of Position
AACU — American Association of Colleges and Universities
EBSA — Employee Benefits Security Administration
ESS — Employee Self-Service System

DPA — Department of Political Affairs
INSARAG — International Search and Rescue Advisory Group
DAGMAR — Defining Advertising Goals for Measured Advertising Results
AAPC — Accounting and Auditing Policy Committee
SMA — Separately Managed Account
PLM — Product Lifecycle Management
MLD — Market-linked deposit
SNE — Salaried Non-Exempt
FSLIC — Federal Savings & Loan Insurance Corporation
ECM — Enterprise Content Management
TA — Technology Assessment
AA — Adverse Action
CRM — Client Relationship Management
CFP — Certified Financial PlannerTM
ACABQ — Advisory Committee on Administrative and Budgetary Questions
ALC — Alien Labor Certification
CPA — Comprehensive Plan of Action
BPM — Business Performance Management
CNS — Continuous Net Settlement
EOU — Export Oriented Unit
RI — Royalty Interest
DFAS — Defense Financial Accounting Service
DCAP — Dependent Care Assistance Program
CFTC — Commodity Futures Trading Commission
DW — Dislocated Worker
EBO — Employee Buyout
BDI — Brand Development Index
UNCITRAL — United Nations Commission On International Trade Law
OC — Opportunity Cost
BTCF — Before Tax Cash Flow
AE — Actual Expense
ATA — Accredited Tax Advisor
KYC — Know-your-customer
JEC — Joint Economic Committee
FRV — Fair Rental Value
ATB — Accountants Trial Balance
CIC — Consumer Information Center
PCAOB — Public Company Accounting Oversight Board
WRHSE — Warehouse
ISSA — International Securities Services Association
PPE — Property, Plant and Equipment
OIBITDA — Operating Income Before Interest, Taxes, Depreciation and Amortization
FRS — Federal Reserve System
CODA — Cash or Deferred Arrangement (401K)
BIA — Business Impact Analysis
EBRI — Employee Benefit Research Institute
GAAP — Generally Accepted Accounting Principles
DPI — Department of Public Information
MOH — Music On Hold
ROS — Run Of Schedule

EGM — Extraordinary General Meeting
OASDI — Old Age and Survivors Disability Insurance
ERM — Enterprise Resource Management
CLU — Chartered Life Underwriter
CAE — Certified Association Executive
IBEW — International Brotherhood of Electrical Workers
EAR — Export Administration Regulations
UNITAR — United Nations Institute for Training and Research
XBRL — Extensible Business Reporting Language
PILOT — Payment In Lieu Of Taxes
DOL — Degree of Operating Leverage
ECM — Excess cash margin
UTMA — Uniform Transfers to Minors Act
B.S. — Bachelor of Science
IOS — International Organization for Standards
MLP — Master Limited Partnership
ABF — Asset-Based Financing
SEM — Shared-Equity Mortgage
ICTY — International Criminal Tribunal for the Former Yugoslavia
NMFC — National Motor Freight Classification
FPML — Financial Products Markup Language
LYON — Liquid Yield Option Note
MAS — Multiple-Award Schedule
ESOT — employee stock ownership trust
BPD — barrels per day
ROP — Run of Press
NSA — Not Seasonally Adjusted
ESL — English as a second language
A/E — Accured expense
REI — Recreational Equipment, Inc.
MBDA — Minority Business Development Agency
7S — Strategy, Structure, Systems, Style, Staff, Skills, Shared values
CGA — Charitable Gift Annuity
EMS — Eastern Mountain Sports
PVFC — Prepaid variable forward contract
IIA — Institute of Internal Auditors
IFC — International Finance Corporation
PUD — Planned Unit Development
IME — Independent Medical Examination
AIDA — Attention, Interest, Desire, Action
SERP — Supplemental Executive Retirement Plan
IBNR — Incurred But Not Reported
K/A — Known as
FSI — Free Standing Insert
LAR — Legislative Appropriations Request
UCR — Usual, Customary and Reasonable Fees
CFE — Certified Financial Examiner
CSF — Critical Success Factor
GAO — Government Accounting Office
FACCT — Foundation for Accountability

NVI — Negative Volume Index
UNMISET — United Nations Mission of Support in East Timor
LCA — Labor Condition Application
AC — Acceleration Clause
ILO — International Labor Organization (UN)
FIE — Foreign-Invested Enterprise
HFS — Hold for sale
ACP — Actual deferral percentage
NIOSH — National Institute of Occupational Safety and Health's
NABA — National Association of Black Accountants, Inc.
CESA — Coverdell education savings account
ILAB — Bureau of International Labor Affairs
CPLTD — Current portion of long-term debt
WHA — World Health Assembly
NSF — Not Sufficient Funds
VSOP — Very Special Old Pale
SPE — Special Purpose Entity
GNMA — Government National Mortgage Association
ROC — Return on Capital
OTS — Office of Thrift Supervision
PTA — Preferential Trade Arrangement
TVM — Time Value of Money
DAN — Depositor Account Number
NRF — National Retail Federation
CPE — Continuing Professional Educational
TRNSFR — Transfer
DFEH — Department of Fair Employment and Housing's
URO — Utilization Review Organization
AEI — American Enterprise Institute
ASF — American Securitization Forum
SAAR — Seasonally Adjusted Annual Rate
BOC — Business Operations Committee
YOY — Year-over-year
HC — Humanitarian Coordinator
WAI — Wealth Added Index
ESA — Employment Standards Administration
HCO — Health Care Organization
TIP — Transportation Improvement Program
OB — Office of Budget
PR — Public Relations
WTW — Welfare-to-Work
UNCCD — United Nations Convention to Combat Desertification
MST — Marketable Securities Tax
SWOT — Strengths, Weaknesses, Opportunities and Threats
YRT — Yearly Renewable Term
BBDO — Batten, Barton, Durstine & Osborn
GCOS — Global Climate Observing System (WMO, IOC, UNEP, and ICSU)
ARS — Auction Rate Securities
FEIN — Federal Employment Identification Number
CEDAW — Committee on the Elimination of Discrimination against Women

ABV — Accredited in Business Valuation
FWT — Federal Withholding Tax
ICQ — Internal Control Questionnaire
BOI — Business Object Interface
ICM — Incentive Compensation Management
FCB — Foote Cone & Belding
CB — Carryback
VOPAN — Voice Pitch Analysis
MLR — Monthly Labor Review
CPO — Chief of Purchasing Office
MBS — mortgage backed security
ISA — International Seabed Authority
CMMI — Capability Maturity Model Integrated
FSS — Federal Supply Schedule
ATO — Administrative Time Off
IAP — Initial advance payment
LINTAS — Levers International Advertising Services
UL — Universal Life
MSI — Multiple Streams of Income
CATS — Certificate of accrual on Treasury securities
CRAFT — Computerised Relative Allocation of Facilities Techniques
NAAEC — North American Agreement on Environmental Cooperation
SAR — Summary Annual Report
BPC — Business Planning Cycle
TDB — Temporary Disability Benefits
SEPA — Single Euro Payments Area
MRD — Minimum Required Distribution
OM — Options Market
EPCM — Exempt-contract, percentage-of-completion method
BAT — Business Action Theory
HP — Hewlett Packard's
LCM — Lower of Cost or Market
COCA — Cost of capital allowance
W/C — Working Capital
BOA — Basic Ordering Agreement
SIV — Structured Investment Vehicle
ICJ — International Court of Justice
ASCI — Advertising & Standards Council of India
ITMP — Information Technology Management Program
ASG — Assistant Secretary General
FMCS — Federal Mediation and Conciliation Service
CIA — Certified Internal Auditor (US)
TPA — Third Party Administrator
PGI — Potential Gross Income
GEF — Global Environmental Facility (environment)
RSA — Rivest-Shamir-Adleman
SSB — Securities Supervisory Board
QSF — Qualified Settlement Fund
ECOA — Equal Credit Opportunity Act
SCM — Supply Chain Management

TCOE — Total Cost of Equity
MCI — Microwave Communications Incorporated
COP — Conference of the Parties
LTL — Less Than Truckload Lot
BOP — businessowners policy
CEBS — Certified Employee Benefits Specialist
ACV — Account Current Value
TAMRA — Technical and Miscellaneous Revenue Act of 1988
HRMS — Human Resource Management System
GIM — Gross Income Multiplier
HFA — Housing Finance Agency
HECM — Home Equity Conversion Mortgage
CDFI — Community Development Financial Institution
NNN — Net Net Net
DBT — Days Beyond Terms
CE — Continuing Education
INSTRAW — International Research and Training Institute for the Advancement of Women
CCM — Completed Contract Method
SFH — Single Family Home
AIC — Architecture and Infrastructure Committee
DINKS — Dual Income, No Kids
EAC — Employee Advisory Committee
AFC — Average fixed costs
AWW — average weekly wage
UNOCHA — United Nations Office for the Coordination of Humanitarian Affairs
HRD — Human Resource Development
ELP — Electing large partnership
FNMA — Federal National Mortgage Association
CFC — Court of Federal Claims
DAPT — Domestic Asset Protection Trust
FP — Fixed Price
NSA — National Society of Accountants
ECP — Emergency Conservation Program
CISSP — Certified Information Systems Security Professional
FHLB — Federal Home Loan Bank
ABS — Asset Based Securitization
B2C — Business to Consumer
AJB — America’s Job Bank
IRA — Individual Retirement Arrangement
CPSC — Consumer Products Safety Commission
RBM — Roll Back Malaria
ABCP — Asset Backed Commerical Paper
POP — Premium Only Plan
ECOWAS — Economic Community of West African States
ADP — Attention Dial Pulse
IDA — Industrial Development Authority
MLS — Mass Layoff Statistics
LCC — Life Cycle Cost
OCHA — Office for the Coordination of Humanitarian Affairs
CI — Contract Item

STAR — Satellite Television Asian Region, Ltd.
DOLETA — Department of Labor Employment and Training Administration
NAAS — Network as a Service
PSC — Personal Service Corporation
ADEA — Age Discrimination and Employment Act
UNEF — United Nations Emergency Force
IBR — Income-based repayment
SPAC — Special-purpose acquisition company
NCCI — National Council on Compensation Insurance
LOS — Law Of The Sea
EFW — Electronic Funds Withdrawal
WPI — Wholesale Price Index
CSE — Customer Service Environment
RCN — Replacement Cost New
STTR — Small Business Technology Transfer
CSV — Cash Surrender Value
OASDHI — Old Age, Survivors, Disability, and Health Insurance
FRA — Full Retirement Age
ADP — Applicable Distribution Period
NNTP — Network News Transport Protocol (ATM)
AX — Armani Exchange
APB — Accounting Principles Board's
CCA — Consolidated Contracting Activity
PTE — Pass-Through Entity
RTN — Routing Transit Number
MLP — Minimum lease payments
NSA — National Safety Associates
SPD — Summary Plan Description
NRE — Net realizable equity
BTT — Business Transfer Tax
SDI — State Disability Insurance
CETA — Comprehensive Employment and Training Act of 1975
FIA — Federal Insurance Administration
AMC — Appraisal Management Companies
TSR — Tactical Studies Rules
AFTS — Automatic Funds Transfer Services
QBU — Qualified Business Unit
JTPA — Job Training Partnership Act
AAGR — Annual average growth rate
RIM — Retail Inventory Method
NPA — Non-Performing Assets
UPE — Unreimbursed Partnership Expenses
FSA — Farm Service Agency
DTL — Deferred Tax Liability
NASBA — National Association of State Boards of Accountancy
RFA — Regulatory Flexibility Act (US)
OCC — Office of the Comptroller of the Currency
DIC — Document Identifier Code
LTD. — Limited
HC — human capital

SSDI — Social Security Disability Insurance
RSI — Relative Strength Indicator
OD — Organizational Development
NQDC — Nonqualified deferred compensation
SSVS — Statement on Standards for Valuation Services
F&C — Free and Clear
DBO — Death Benefit Only
COST — Council on State Taxation
FSLMRA — Federal Service Labor-Management Relations Act
LEO — Long-term Equity Options
ALV — Average Lease Value (Cars)
UNMIK — United Nations Interim Administration Mission in Kosovo
ALBM — Automated Lending and Borrowing Mechanism
BRICS — Brazil, Russia, India, China and South Africa
REG. — Regulation
NDA — Nondisclosure Agreement
AML — Adjustable Mortgage Loan
DOM — Distributed Order Management
NPT — Non-Proliferation Treaty
CC — Capital Contribution
CBL — Common Business Language
IPS — Inflation Protected Security
AA — Author Alteration
FMC — Federal Maritime Commission's
DAF — Donor Advised Fund
SESA — State Employment Security Agency
INS — Immigration & Naturalization Service
OSG — Office of the Secretary-General
EMP — Environmental Planning and Management
WHD — World Habitat Day
RFPA — Right to Financial Privacy Act of 1978
EPROM — Electrically Programmable Read Only Memory
ESA — Coverdell education savings account
MSB — Money Service Businesses
GPO — Guaranteed Purchase Option
MTTR — Mean Time To Recovery
DCPP — Defined Contribution Pension Plan
ISM — Interactive Studio Management
HSBC — Household Bank Corporation
EGI — Effective Gross Income
ADI — Area of Dominant Influence
CHL — Customs house license
CAPS — Convertible Adjustable Preferred Stock
CLA — Cross-Licensing Agreement
FCCC — For the Framework Convention on Climate Change
CNC — Currently Not Collectible
DESIPA — Department for Economic and Social Information and Policy Analysis
(X) — Export
TEFRA — Tax Equity and Fiscal Responsibility Act of 1985
NCUA — National Credit Union Administration

SHRM — Society for Human Resource Management's
BCS — Business Case Study
ITSM — Information Technology Service Management
APOC — Administrative Point of Contact
ABMS — Activities Based Management System
GLA — Gross Leaseable Area
USF — Usable Square Feet
HUDCO — Housing and Urban Development Corporation Limited
UNCC — United Nations Compensation Commission
MUD — Multiple User Dungeon
I-9 — I-9 Form
TSP — Thrift Savings Plan
CFIUS — Committee on Foreign Investment in United States
DII — Days in Inventory
C2C — Customer to Customer
UNGOMAP — United Nations Good Offices Mission In Afghanistan and Pakistan
A&I — Accident and Indemnity
ECOA — E-Mail Change of Address
SMSA — Standard Metropolitan Statistical Area
TL — Time & Labor
CFA — Committee on Food Aid Policies and Programmes
MP3 — Moving Pictures Experts Group 1 Audio Layer 3
COL — Cost Of Living
AFICS — Association of Former International Civil Servants
PCE — Personal consumption expenditure; personal consumption expenditure deflator
SEPED — Social Development and Poverty Elimination Division
CEA — Commodity Exchange Authority
DMFAS — Debt Management and Financial Analysis System
BHC — Bank Holding Company
VAO — Virtual Acquisition Office
PING — Pocket Internet Gopher
ITAM — IT asset management
C-TPAT — Customs-Trade Industry Against Terrorism
UNIIMOG — United Nations Iran-Iraq Military Observer Group
UNAMIR — United Nations Assistance Mission for Rwanda
VEBA — Voluntary Employees' Beneficiary Association
UNVFVT — United Nations Voluntary Fund for Victims of Torture
ASPPA — American Society of Pension Professionals & Actuaries
SEA — Securities Exchange Act
PIC — Prior Informed Consent
0DSAC — 90 days, same as cash
IMRB — Indian Market Research Bureau
UNOVER — United Nations Observer Mission to Verify the Referendum in Eritrea
EVM — Earned Value Management
TIF — Tax Increment Financing
DRTV — Direct Response Television
HPI — Human Poverty Index
PBT — Profit Before Tax
BDI — Behavioral Description Interview
ROC — Rate of Change

ARR — Average Rate of Return
CLUT — Charitable Lead Unitrust
GRID — Global Resource Information Database (UNEP)
PTAC — Procurement Technical Assistance Center
AFN — Additional Funds Needed
CAA — Congressional Accountability Act
IDNDR — International Decade for Natural Disaster Reduction
CCC — Commodity Credit Corporation
SRA — Supplemental Retirement Annuity
UNCHS — United Nations Centre for Human Settlements
TTL — Total Linhas Aéreas
SSD — Social Security Disability
GTOS — Global Terrestrial Observing System
SOC — Standard Occupational Classification
CEBS — Certified Employee Benefit Specialist
NSX — National Stock Exchange
ILC — International Law Commission
OER — Operation Expense Ratio
OLA — Office of Legal Affairs
CVLI — Cash Value Life Insurance
PIA — Primary Insurance Amount
TAT — Total asset turnover
BCA — Board of Contract Appeals
FVO — Fair Value Option
DUA — Disaster Unemployment Assistance
BONUCA — United Nations Peace-Building Office in the Central African Republic
ADP — Automatic Data Processor
SIAP — Statistical Institute for Asia and the Pacific
DPO — Days payables outstanding
REMIC — Real Estate Mortgage Investment Conduit
CSD — Commission on Sustainable Development's
NRA — Non-Resident Alien
OR — Operations research
OGC — Office of the General Counsel
LAIA — Latin American Integration Association
HCA — head of contracting activity; humanitarian and civic assistance
SBA — Small Business Administrations
ECU — Emergency Coordination Unit
RTW — Right to Work
OI&T — Office of Information and Technology
FAS — Finance and Accounting System
MTC — Multistate Tax Commission
P&I — Principle and interest payment
ITBAT — IT Budget Analysis Team
SRSG — Special Representative of the Secretary-General
USAA — United Services Automobile Association's
QAI — Quality Assurance International
ICSC — International Civil Service Commission
ITAC — Information Technology Advisory Committee
LHWCA — Longshore and Harbor Worker’s Compensation Act

FMR — Fair Market Rental
LEAF — Logistics, Engineering, Acquisition, and Finance
A&A — Advisory & Assistance
CEA — Council of Economic Advisors
EPA — Expanded Programme of Assistance
REA — Return on assets
MTHLY — monthly
3COM — Computer, Communications and Compatibility
ICDC — International Child Development Centre
RELP — Real Estate Limited Partnership
MLA — Minimum Liquid Assets
GTL — Group Term Life Insurance.
MSP — Managed Service Provider
CEMP — Comprehensive Emergency Management Program
SSDI — Social Security Disability Indemnity
TOD — Transfer on death
HDR — Humanitarian Daily Ration
ITSD — Information Technology Services Division
SIB — Securities and Investment Board
FICCI — Federation of Indian Chamber of Commerce and Industry
SBC — Summary of Benefits and Coverage
UNPD — United Nations Population Division
EITC — Earned Income Tax Credit
PWC — Public Works Commission
FCA — Farm Credit Administration
NLRA — National Labor Relations Act
ECOMOG — Economic Community of West African States' Monitoring Observer Group
NAC — National Acquisition Center
ABC — Audit Bureau of Circulations Inc.
MCC — Merchant category codes
SSBCI — State Small Business Credit Initiative
JPO — Junior Professional Officer
PMSA — Primary Metropolitan Statistical Area
IASB — International Accounting Standards Board
COSO — Committee of Sponsoring Organizations
LTI — Long-term incentive
UNCIVPOL — United Nations Civilian Police
ESOP — Employee Stock Option Plan
ROTC — Reserve Officer Training Corporation
CHB — Custom House Broker
UAW — United Auto Workers
DHL — Dag Hammarskjöld Library
FRA — Federal Reserve Act
STD — Short-term disability
UNDAF — United Nations Development Assistance Framework
EIA — Equity Indexed Annuity
ACFE — Advisory Committee on Forestry Education
A/S — Account sales
DGFT — Director General of Foreign Trade
OOB — OOS out of business

ZBB — Zero-based budgeting
BRM — Business Reference Model
TCBY — The Country's Best Yogurt
LTC — Long-Term Care
ETN — Exchange Traded Note
VPFC — Variable Prepaid Forward Contract
SSUTA — Streamlined Sales and Use Tax Agreement
ALTA — American Land Title Transfer
CEC — Continuing Education Center
PCCM — Percentage-of-completion/capitalized cost method
ICGFI — International Consultative Group on Food Irradiation
EMT — Executive Management Team
TBC — To Be Contested
UNAMSIL — United Nations Mission In Sierra Leone
COHRS — Central Office Human Resources Service
J&S — Joint and Survivorship
MOC — Market On Close
CEA — Certificate of Educational Achievement
IASC — International Accounting Standards Committee
UTLZTN — Utilization
MOTO — Mail order-telephone order
CGL — Comprehensive General Liability
FRS — Functional Requirements Specifications
IMR — Information Management Research
PAR — Public Accounting Report
MRPS — Mandatorily redeemable preferred stock
VA — Variable Annuity
SHOP — Small Business Health Options Program
PAM — Pledged Account Mortgage
A&A — Assessment and Accreditation
DWC — Days working capital
DFI — Derivative Financial Instrument
ADA — Associate Deputy Administrator
ABLOS — Advisory Board on the Law of the Sea
BAT — Budget Advisory Team
VOCC — Vessel Operating Common Carriers
UNSECOORD — Office of the United Nations Security Coordinator
WKLY — Weekly
USG — Under Secretary General
UNDOF — United Nations Disengagement Observer Force
DVOP — Disabled Veterans Outreach Program
QR — Quality Review
ITMRA — Information Technology Management Reform Act (Part of the Clinger-Cohen Act)
SLOB — Separate Line of Business
SMLLC — Single Member Limited Liability Company
EDA — Economic Development Administration's
GASB — Governmental Accounting Standards Board
CMSA — Consolidated Metropolitan Statistical Area
UNSCEAR — United Nations Scientific Committee on the Effects of Atomic Radiations
PCFRC — Private Company Financial Reporting Committee

CRUT — Charitable Remainder Unitrust
UNCSW — United Nations Commission on the Status of Women
VHA — Veterans Health Administration's
AET — Accumulated Earnings Tax
UNICRI — United Nations Interregional Crime and Justice Research Institute
EAPA — Employee Assistance Professionals Association, Inc
TC — Trusteeship Council (UN)
MTM — Market to Market
VA — Veterans Affairs
ROU — Right of Use
UNISPAL — United Nations Information System on the question of Palestine
ATB — Adjusted Trial Balance
HRIS — Human Resource Information System
ICPD — International Conference on Population and Development
P/E — Price-to-earnings ratio
IPA — Inflation Protected Annuity
CSR — Corporate Social Responsibilty
CPFFC — Cost-plus-fixed-fee contract
UNCCP — United Nations Conciliation Commission for Palestine
YAHOO — You Are Hazy Over Oranges
SIFMA — Securities Industry and Financial Markets Association
CPP — Consumer Preferences and Policy
CSA — Capital Support Agreements
EM — Emergency Loan Program
ETC — Estimate To Completion
UNCT — United Nations Country Team
ZEN — Zero Effort Network
R&C — Reasonable and Customary
UNOMUR — United Nations Observer Mission Uganda-Rwanda
EDP — Employee Development Plan
TRASOP — Tax Reduction Act ESOP
ECR — Executive Conference Room
UTC — Uniform Trust Code
HRA — Health Reimbursement Account
FOM — Field Operations Manual
WI — Working Interest
CICP — Centre for International Crime Prevention
AATF — Airport and Airway Trust Fund
UNOMIG — United Nations Observer Mission In Georgia
ERD — Emergency Response Division
B&N — Barnes and Noble
MAGI — Modified Adjusted Gross Income
ROAE — Return on Assets Employed
EFTA — European Free Trade Area
PT — Part-Time
OSSG — Office of the Spokesman for the Secretary-General
AIMS — Advertising and Integrated Marketing Solutions
FACT — Fair and Accurate Credit Transactions Act of 2003
M&A — Merger & Acquisition
IRD — Income in respect of a decedent

EDGAR — Electronic Data Gathering, Analysis and Retrieval
ROA — Regional Office for Africa
UNV — United Nations Volunteers Programme
WBG — World Bank Group
SMM — Summary of material modifications
TESSA — Tax-Exempt Special Savings Account
CPP — Cost Per rating Point
FEA — Fair Employment Act
FMHA — Farmers Home Administration
SFOR — Stabilization Force
REA — Retirement Equity Act
OTB — Off-Track Betting
DVA — Debt value adjustment
D&B — Dun & Bradstreet
COFI — Cost of Funds Index
UC — Unemployment Compensation
GSTP — Global System of Trade Preferences
FO — Foreign to occupation
FAME — Facilities Maintenance Engineering
AFE — Average Funds Employed
NR — Not Rated
DSI — Discretionary Salary Increase
SDVOSB — Service-Disabled Veteran-Owned Small Business
CCPOQ — Consultative Committee on Programme and Operational Questions
DMB&B — D'arcy Masius Benton & Bowles
TAB — Tax Anticipation Bill
GPHR — Global Professional in Human Resources
AFB — American Farm Bureau, Inc.
UNJSPF — United Nations Joint Staff Pension Fund
BML — Bean Markup Language
ERTA — Economic Recovery Tax Act
HRA — Health Reimbursement Arrangement
SAS — Statement of Accounting Standards
GIC — Guaranteed Investment Contract
SV — Salvage value
TSA — Tax-sheltered annuity
WCEFA — World Conference on Education for All
ACW — African Centre for Women
SARSEP — Salary Reduction Simplified Employee Pension Plan
UCR — Usual, customary, and reasonable
HRIS — Human Resources Information System
CPC — Committee for Programme and Coordination
ITOC — Information Technology Oversight & Compliance
PIM — Product Information Management
INA — Immigration and Naturalization Act
OOH — Occupational Outlook Handbook
UDITPA — Uniform Division of Income for Tax Purposes Act
NACUBO — National Association of College & University Business Organizations
QSPE — Qualified special purpose entity
ITARS — IT Acquisition Request System

CSCS — Computer Software Components
SYSTEM — Save YourSelf Time, Engergy, and Money (as reported by www.just15minutes.com)
E&P — Earnings & Profits
LCL — Less than Carload Lot
PERAB — President's Economic Recovery Advisory Board
PFR — Portable Font Resource
GAW — Global Atmosphere Watch (WMO)
ECAB — Employee's Compensation Appeals Board
DIT — Deposit in Transit
OFCCP — Office of Federal Contract Compliance Programs
S&L — Savings and Loan
MBE — Mortgage banking enterprise
CPDO — Constant Proportion Debt Obligation
DDSN — Demand-driven supply networks
CPHR — California Professional in Human Resources Certification
DCAP — Dependent Care Assistance Plan
HCTC — Health Coverage Tax Credit
GMIB — Guaranteed Minimum Income Benefit
UNIFIL — United Nations Interim Force In Lebanon
CCH — Commerce Clearing House
IAS — International Accounting Standards
FSR — Financial Strength Rating
DAW — Division for the Advancement of Women
SDNP — Sustainable Development Networking Programme
LDW — Last Day Worked
UMB — United Missouri Bank
NRMLA — National Reverse Mortgage Lenders Association
FS — Forest Service (USDA)
UNRISD — United Nations Research Institute for Social Development
C&A — Certification & Authority
SAM — System for Award Management
HWRP — Hydrology and Water Resources Programme
CAT — Commercial Activity Tax
CBI — Compliance and Business Integrity
PEG — Price to Earnings Growth
MHAEA — Mental Health and Addiction Equity Act
CSEMO — Corporate Senior Executive Management Office
WRC — World Radiocommunication Conference
LOC — Letter of Comment
PEP — Personal Exemption Phaseout
RMBS — Residential mortgage backed securities
CFOC — Chief Financial Officers Council
FT — Full-Time
IRP — Industry Risk Premium
ASR — Accelerated Stock Repurchase
GIST — Graphics and Intelligence based Script Technology
COLI — Cost of Living Index
MHPA — Mental Health Parity Act of 1996
ITEAM — Information Technology Enterprise Architecture Management
VUL — Variable Universal Life

ITLO — Information Technology Logistics Office
ITS — Intermarket Trading System
AGGG — Advisory Group on Greenhouse Gases
CSD — Commission for Social Development
SFAS — Statements of Financial Accounting Standards
UNOPS — United Nations Office for Project Services
BPO — Bargain Purchase Option
SMI — Supplemental Medical Insurance (US Medicare Part B)
UNSCOM — United Nations Special Commission for the Elimination of Iraq's Weapons of Mass Destruction
ARB — Accident Review Board
UNMOT — United Nations Mission of Observers in Tajikistan
DNAMTI — Distributable Net Alternative Minimum Taxable Income
FACHE — Fellow in American College of Healthcare Executives
BAA — Business Associate Agreement
EIC — Earned Income Tax Credit
IAAS — Infrastructure as a Service
CRM — Credit Risk Management
QJSA — Qualified Joint and Survivor Annuity
KSA — Knowledge Skills or Abilities
DNA — Distributed Internet Application Architecture
SE — Salaried Exempt
NE — Non-Exempt
AFN — Annual Funding Notice
PCE — Private Commercial Enterprise
IRB — Internal Revenue Bulletin
PA — Public Accountant
NPL — Nonperforming loan
GSR — General Securities Representative
OCP — Overland Common Point
MBA — Masters of Business Administration
AGFFA — Advisory Group on Financial Flows to Africa
DPSP — Deferred Profit Sharing Plan
ACFR — Advisory Committee on Fishery Research
ASB — Auditing Standards Board's
GAAC — Government Accounting and Auditing Committee
ODF — OpenDocument Format
CCPA — Consumer Credit Protection Act
ALC — Agency Location Code
QME — Qualified Medical Examiner
EPPA — Employee Polygraph Protection Act
ICC — International Chamber of Commerce
CHFC — Chartered Financial Consultant
ALA — American Legion Auxiliary
SWT — State witholding tax
UNAFRI — United Nations African Institute for the Prevention of Crime and the Treatment of Offenders
R/E — Real estate
DOT — Dictionary of Occupational Titles
QAIP — Quality Assurance and Improvement Plan
FWCW — United Nations Fourth World Conference on Women
SPE — Senior Procurement Executive

CO — Compliance Officer
UNOMSA — United Nations Observer Mission in South Africa
USC — United States Code
VXML — Voice eXtensible Markup Language
BPO — Business Process Optimization
LEI — Leading Economic Indicators
MSRB — Municipal Securities Rulemaking Board
UNHSP — United Nations Human Settlements Programme
FECA — Federal Employer’s Compensation Act
NRI — Net Rising Index
FCCPA — Federal Consumer Credit Protection Act of 1968
UNCDF — United Nations Capital Development Fund
ACRB — Architectural Change and Review Board
BAN — Bank anticipation notes
CFBT — Cash flow before taxes
SBD — Small Disadvantaged Business
EMV — Europay, Master Card and Visa
DUS — Dollar Unit Sampling
SSOP — Second Surgical Opinion Program
LAC — Division for Latin America and the Caribbean
DIMA — Division of Information Management and Analysis
SSBIC — Specialized Small Business Investment Company
BNIB — Business Needs and Investment Board
UNDCP — United Nations International Drug Control Programme
BSNL — Bharath Sanchar Nigam Limited
CCP — Collateralized commercial paper
DSW — Discount Shoe Warehouse
BV — Book value
MEWA — Multiple Employer Welfare Arrangement
ASBL — American Small Business League
IAG — International Auditing Guidelines
UNTEA — United Nations Temporary Executive Authority
DBPP — Defined Benefit Pension Plan
AR — Architecture Requirements
KSA — Knowledge, Skills, Abilities
USD — US Dollars
SITC — Standard International Trade Classification
QWL — Quality of Work Life
CCS — Care Coordination Services
CCC — Cost Containment Center
ICE — Internal control evaluation
CIPP/G — Certified Information Privacy Professional/Government
DK — Dorling Kindersley
BQ — Best Qualified
QE — Quarter Ending
B2C — Business to Citizen
DTCC — Depository Trust & Clearing Corp
E/M — Evaluation and Management
GAAFR — Governmental Accounting, Auditing, and Financial Reporting
SS — Safety Stock

CAPP — Cash Account Pension Plan
QCR — Quarterly Contributions Report
WCP — World Climate Programme (WMO/ICSU)
A/O — Administrative Offices
FERS — Federal Employees Retirement System
FLP — Family Limited Partnership
UNMIBH — United Nations Mission in Bosnia and Herzegovina
VAL. — Value
MSER — Multi-state Employer Registration
VWAP — Value Weighted Average Price
PMV — Private Market Value
CCR — Central Contractor Registeration
WCC — World Climate Conference
ADAS — Associate Deputy Assistant Secretary
EDI — Electronic Date Interchange
NIB — New In the Box
SRO — See Self-Regulatory Organization
CSVLI — Cash surrender value life insurance
DRC — Deficit Reduction Contribution
TCDC — Technical Cooperation among Developing Countries
AC — Associate Chief of Staff
NBIA — National Business Incumbation Association
VEVRA — Vietnam-Era Veterans Readjustment Act
FMRR — Financial Management Rate of Return
HRCI — Human Resource Certification Institute
ZAW — Zero Administration for Windows
BEIT — Business Enterprise Income Tax
PVT — Persons Viewing Television
IPMA — International Personnel Management Association
UNTAET — United Nations Transitional Administration in East Timor
LLIC — Limited liability investment company
CSI — Commissioners Standard Industrial Mortality Table
EECB — Executive E-mail Carpet Bomb
UNIDO — United Nations Industrial Development Organization
CDS — Credit default swaps
SBJPA — Small Business Job Protection Act of 1996
PM PAR — Program Management Policy, Assessment, and Reporting
UNSC — United Nations Security Council
DEC — Deductible voluntary employee contributions
COSVA — Chief of Staff
NRD — Normal Retirement Date
PBM — Pharmacy Benefits Management (or Manager)
NSTP — National Society of Tax Professionals
CIK — Central index keys
UNOHCI — United Nations Office of the Humanitarian Coordinator for Iraq
CEIS — Corporate Executive Information System
MDIB — Minimum Distribution Incidental Benefit
ICSAB — International Civil Service Advisory Board
IUC — Information Unit for Conventions
CC — Copy To

UNAIDS — Joint United Nations Programme on HIV/ Acquired Immune Deficiency Syndrome
MMC — Money market certificate of deposit
COPICS — Communication Oriented Production and Information Control System
D2D — Developer to Developer
CEHIST — Center for Evaluation of Healthcare Information Systems & Technology
TALF — Term Asset-Backed Securities Loan Facility
EBS — Employee Benefits Security
EDA — Economically Depressed Area
UNOMIL — United Nations Observer Mission In Liberia
PCS — Post-contract customer support
BIMS — Business Information Management Suite
FRN — Floating rate notes
PTSD — Post Traumatic Stress Syndrome
CFO — Chief Financial/Fiscal Officer
PBA — Pending bank approval
OP — Order Point
SAMS — Systemic Advocacy Management System
HR — Human Rights's
IAB — Internet Advertising Bureau
CHS — Commission on Human Settlements
QNEC — Qualified nonelective contributions
WMU — World Maritime University
ARD — Actual retirement date
ALBRS — Automated Lending and Borrowing in Rolling Settlement
SME — Small- to medium-sized entities
IAF — Inflation Adjustment Factor
ILC — Industrial Loan Company
VOSB — Veteran-Owned Small Business
MTB — Motor transportation broker
UNPROFOR — United Nations Protection Force (in Former Yugoslavia)
BPO — Broker Price Opinion
XML — Extended Markup Language
DAP — Direct Access Program
CAO — Contract Administration Office
LCD — Labor Cost Distribution
ICRA — Investment Information and Credit Rating Agency
DR. — Debit
DUSB — Deputy Undersecretary for Benefits
UNMEE — United Nations Mission in Ethiopia and Eritrea
BKPR — Be Kind, Please Rewind
ACII — American Association of Individual Investors
BET — Business entity tax
CBD — Chief Benefits Director
SOV — Share Of Voice
FSA — Flexible Spending Arrangement
GMP — Guaranteed Maximum Price
CBO — Chief Business Office
UNSO — United Nations Sudano-Sahelian Office
IDS — Income Deposit Securities
CSP — Certified Speaking Professional

OIS — Overnight Index Swaps
FAAS — Financial Assurance and Accountability Standards
UNAVEM — United Nations Angola Verification Mission
MDA — Market development funds
SST — Streamline Sales and Use Tax Agreement
PWBA — Pension and Welfare Benefits Administration
CFS — Committee on World Food Security
RJP — Realistic Job Preview
RFM — Rcency, Frequency, Monetary Analysis
DSA — Disaster Debt Set-Aside Program
CBFA — Committee on Budget, Finance and Administration
CODI — Cancellation of Debt Income
ASSE — American Society of Safety Engineers-Professional
ND — Network Director
ODCF — Owner's Discretionary Cash Flow
DOCO — Development Operations Coordination Office
SECL — Secretarial
DEFRA — Deficit Reduction Act
SMP — Special Multiperil Policy
GEM — Growing Equity Mortgage
C&P — Compensation & Pension
OCBOA — Other Comprehensive Basis of Accounting
SDE — Service Delivery and Engineering
ESAF — Enhanced Structural Adjustment Facility
MW — minimum weight
UNIPOM — United Nations India-Pakistan Observation Mission
RFB — Request For Bid
GEENET — Global Environmental Epidemiology Network
PL/PD — Personal liability/property damage
JVC — Japan's Victor Company
UNIPTF — United Nations International Police Task Force
UI — Unemployment Insurance
SIC — Standard industrial clssification
PUT — Persons Using Television
HVCC — Home Valuation Code of Conduct (mortgage and appraisal industry)
ZEN — Zero Engine Noise
LMA — Labor Market Area
PCM — Percentage-of-completion method
AAA — Authentication, Authorization & Access
LDC — Low Death Conflict
STF — Summary Tape File
UNDAW — United Nations Division for the Advancement of Women
ELI — Equity Linked Investments
WST — Waste Systems and Transportation
BAT — Bureau of Apprenticeship and Training
FTR — family tracing and reintegration
ICS — Information Centres Services
NABARD — National Bank for Agricultural and Rural Development
UNCRD — United Nations Centre for Regional Development
UNFSTD — United Nations Fund for Science and Technology for Development

FOF — Fund of Funds
INCB — International Narcotics Control Board
HARP — Home Affordable Refinance Program
EOSG — Executive Office of the Secretary-General
WRAEA — Workforce Reinvestment and Adult Education Act
UNMOGIP — United Nations Military Observer Group In India & Pakistan
CTI — Computer/Telephone Integration
UNDHL — United Nations Dag Hammarskjölds Library
WIDER — United Nations University World Institute for Development Economics Research
QTIP — Qualified Terminable Interest Property
NFIB — National Federation of Independent Business
ECDC — Economic Cooperation Among Developing Countries
FMOC — Federal Open Market Committee
UNDG — United Nations Development Group
ALBCC — Account Level Budget Cost Center
CESCR — Convention on Economic, Social and Cultural Rights
FUNSA — Federation of Staff Association of the United Nations and its Specialized Agencies
PCE — Pre-existing Condition Exclusion
CCR — Central Contracting Registry
UNOGBIS — United Nations Peace-Building Support Office in Guinea-Bissau
NACM — National Association of Credit Management
DESA — Department of Economic and Social Affairs
NAP — Noninsured Crop Disaster Assistance Program
UNOMSIL — United Nations Observer Mission in Sierra Leone
IEC — Inter Exchange Carrier
CBC — Community Based Outpatient Clinic
GINA — Genetic Information Nondiscrimination Act of 2007
IFOR — Implementation Force
FLC — Foreign Labor Certification
APIC — Additional paid-in capital
SP — Strategic Plan
AUI — Auxiliary Unit Interface
NRA — Normal Retirement Age
CCAQ(PER) — Consultative Committee on Administrative Questions (Personnel and General Administrative Questions)
NCCUSL — National Conference of Commissioners on Uniform State Laws
KFC — Kentucy Fried Chicken
CRPC — Chartered Retirement Planning Counselor
PH.D. — Doctorate Of Philosophy
OSDBU — Office of Small and Disadvantaged Business Utilization
MEC — Minimum essential coverage
JECFA — Joint Expert Committee on Food Additives
HQS — Housing Quality Standards
WGEID — United Nations Working Group on Enforced or Involuntary Disappearances
NFFE — Nonfinancial foreign entity
SBRB — Small Business Research Board
VWAP — Volume-weighted average price
SCP — Sustainable Cities Programme
CSP — Cyber Security Professional
UDR — Unused development rights
LT — Lost Time

CTFA — Certified trust & financial advisor
USCIS — US Citizenship and Immigration Services
WARN — Worker Adjustment and Retraining Notification Act of 1988
CTI — Category, Type, Item
TPD — Third-party designee
UN-NADAF — United Nations New Agenda for the Development of Africa in the 1990s
PFK — Pay-for-knowledge-and-skills plans
UNOG — United Nations Office at Geneva
UNYOM — United Nations Yemen Observation Mission
BIOLAC — United Nations University Programme for Biotechnology in Latin America and the Caribbean
SSNVS — Social Security Number Verification System
ATNOLD — Alternative Minimum Tax Net Operating Loss Deduction
CSPN — College Savings Plan Network
FBAR — Foreign Bank & Financial Account
SDVOB — Service-disabled veteran owned business
WCB — Workers Compensation Board
DTP — Data Transfer Program
GEMS — Global Environment Monitoring System
HAFA — Home Affordable Foreclosure Alternative program
CEIT — Comprehensive business income tax
SAC — Strategic Acquisition Center
NSBA — National Small Business Association
MSPR — Medicare Secondary Payer Rules
IFUP — International Forum on Urban Poverty
PE — Price to Earnings Ratio
EEOICPA — Energy Employee Occupational Illness Compensation Program Act
UNSMIH — United Nations Support Mission In Haiti
DBA — Davis-Bacon Act
MOD — Manufacturing on demand
JCT — Joint Committee on Taxation
LLDIE — Limited life debt investment entity
FASIT — Financial asset securitization investment trusts
NQPS — Nonqualified preferred stock
PDM — Program Decision Maker
COD — Country Operations Division
SLA — Share lending agreement
GAS — Governmental Accounting Standards
GTC — Good Till Canceled Order
TN — Temporary Visa
DME — Development/Maintenance/Enhancement
GWAC — Government Wide Acquisition Contract
CCOP — Coordinating Committee for Coastal and Offshore Geoscience Programmes in East and South East Asia
CPCU — Chartered property and casualty underwriter
SECA — Self-Employment Contributions Act
IHRIM — International Association of Human Resource Information Management
CCSQ — Consultative Committee on Substantive Questions
NC — National Cemetery
FOK — Fill-or-kill order
SCIN — Self-canceling installment note
SAAR — Seasonally Adjusted Annualized Rate

UNEP-IE — United Nations Environment Programme Industry and Environment Centre
AMCD — Audit and Management Consulting Division
IRMAA — Income Related Medicare Adjustment Amount
QR — Quarterly Report
SMB — Small- to medium-sized business
SHD — Sustainable Human Development
FEP — Fair employment practice
CISC — Common Instruction Set Computer
ITC — International Trade Center
TOFC — Trailer On Flat Car
L/V — Loan-to-value ratio
CPS — Core Products and Services
ECM — Energy Conservation Measures
ATNOL — Alternative Minimum Tax Net Operating Loss
CALS — Continuous Acquisition Lifecycle Support
NUA — Net Unrealized Appreciation
TEA — Transportation Efficiency Act
AA — Average Audience
BB — Base Benefits
GRC — Goverance, risk and compliance
USCIS — U.S. Citizenship and Immigration Service
LRO — Labor Relations Officer
UNDC — United Nations Disarmament Commission
OSBDU — Office of Small and Disadvantaged Business Utilization
OES — Occupational Employment Statistics
SPHR — Senior Professional Human Resources
LR — Labor Relations
ECN — Electronic Communications Network
CPD — Comprehensive Programme on Disarmanent
SBBA — Sales and Buy-Back Agreement
FSP — FASB Staff Position
RDC — Remote Deposit Capture
CPR — Committee of Permanent Representatives
SVNGS — Savings
CO — Contracting Officer
ULP — Unfair Labour Practices
NFTC — National Foreign Trade Council, Inc.
EB — Extended Benefits
FPO — Fruit Products Order
RET — Retirement earnings test
TP — Technical Proposal
COS — Cost of sales
LLTC — Limited liability trust company
CRSR — Congressional Research Service Report
WPP — Wire and Plastic Products
ACLI — American Council of Life Insurance
LTI — Lead Time Interval
GCT — General Corporation Tax
SLA — Supplemental Lease Agreements
KMI — Key Man Insurance

VOB — Veteran-Owned Business
CCISUA — Coordinating Committee of International Staff Unions and Associations of the United Nations System
DFS — Dancer Fitzerald Sample
FIRPTA — Foreign Investment in Real Property Tax Act
UNTAC — United Nations Transitional Authority in Cambodia
ODDS — Online Data Delivery System
XRA — Expected Retirement Age
OR — Operating revenue
SEI — Software Engineering and Integration
UNOGIL — United Nations Observation Group In Lebanon
QTD — Qualified Total Distribution
USM — Unlisted Securities Market
CPTAL — Capital
PERC — Premiums, earnings and reasonable charges
DSPE — Deputy Senior Procurement Executive Known
DRPC — Division for Resources Planning and Coordination
PIPE — Public investment in private equity
JAN — Job Accommodation Network's
PDA — Public Displays of Affection
EBSA — Employee Benefit Security Administration's
CWHSSA — Contract Work Hours and Safety Standards Act
TPS — Transaction processing services
BCBS — Blue Cross/Blue Shield
NCO — Net chargeoffs
IDB — Industrial Development Bond
IDS — International Development Strategy
SYD — Sum-of-the-years-digits
ITC — International Training Centre
SITW — State income tax withholding
ASHHRA — American Society for Healthcare Human Resources Administration
WST — Waste Spare Time
SSD — Specialist Services Division
FEI — Financial Executives Institute
DI — Debt instrument
USRPHC — U.S. real property hodling corporation
IMRO — Investment Management Regulatory Organisation
VWPX — Volume Weighted Price Uncrossing
TA — Technical Advisers
UNPD — United Nations Procurement Division
BRB — Benefit Review Board
CCPISA — Convention on the Privileges and Immunities of the Specialized Agencies
ULPA — Uniform Limited Partnership Act
UNL — Universal Networking Language
SBIR — Small Business Innovation and Research
TILA — Truth In Lending Act
GNC — General Nutrition Centers
UNIDIR — United Nations Institute for Disarmament Research
COAS — Clinical Observation Access Control
UNSD — United Nations Statistic Division
AGFUND — Arab Gulf Programme for United Nations Development Organizations

UNMIH — United Nations Mission In Haiti
SDA — Self-directed brokerage account
LTD — Long Term Insurance
USENET — USEr NETwork
PCB — Programme Coordination Board
CTJ — Citizens for Tax Justice/Institute on Taxation and Economic Policy
UNLTC — United Nations Military Liaison Team in Cambodia
CHRC — Canadian Human Rights Commission
WHYCOS — World Hydrological Cycle Observing System
FPM — Flexible Payment Mortgage
SNT — Supplemental Needs Trust
SEDR — Systems Engineering and Design Review
EAO — Executive and Administrative Office
EAP — Employee Assistance Plan
DDB — Doyle Dane Bernbach
PWD — Prevailing Wage Determination
OEL — Offshore Employee Leasing
HCSA — Health Care Spending Account
I&A — Interest and amortization
DOBI — Department of Defense Instruction
BCAG — Business Community Advisory Group
TEA — Technology-enabled auditing
CFIA — Competency Framework for Internal Auditing
LMI — Lender's mortage insurance
UNMACC — United Nations Mine Action Coordination Centre
GAGAS — Generally Accepted Government Accounting Standards
SRO — Self Regulatory Organization
NASDR — National Association of Securities Dealers Regulation
IIST — United Nations University International Institute for Software Technology
ISBA — International Seabed Area
OAR — Overall Rate Of Return
NATP — National Association of Tax Professionals
DITE — Division on Investment, Technology and Enterprise Development
UNIC — United Nations Information Centre
IDB — Industrial Development Board
FCA — Division for Finances, Control and Administration
UNOSOM — United Nations Operation in Somalia
AFSCME — American Federation of State, County and Municipal Employers
MACC — Mine Action Coordination Centre
WBC — Women Business Center
BDC — Business Development Council
PCA — Permanent Court of Arbitration
SEPHA — Special Emergency Programme for the Horn of Africa
CFPB — Consumer Finance Protection Bureau
VBA — Veterans Benefit Administration
ZEBRA — Zero-balance reimbursement account
UNCA — United Nations Correspondents Association
SSARS — Statement on Standards for Accounting and Review Services
UNFALD — United Nations Field Administration and Logistics Division
EOLI — Employer owned life insurance

IMFL — Indian-Made Foreign Liquor
IGE — Intergovernmental Group of Experts
NIPA — National income and product accounts
LDP — Last Day Paid
DPGA — Deferred Payment Gift Annuity
SWA — State Workforce Agencies
CSUM — Common Security User Manager
GAW — Guaranteed Annual Wage
BAB — Build America Bonds
TAA — Trade Adjustment Act
ISMUN — International Student Movement for the United Nations
CSO — Cyber Security Office
UR — Unemployment Rate
UB — Unsafe Buildings
MTNL — Mahanagar Telephone Nigam Limited
SPD — Division for Special Programmes Development
UMTS — Universal Mobile Telephone System
TVI — Trade Value Index
LTC — Long-Term Care
CIP — Capital Investment Process
BPA — Blanket purchase authoriation
BRM — Business Relationship Meeting
TIFF — Tagged Interface File Format
PEC — Potential earnings converted
D/L — Demand loan
GIWA — Global International Waters Assessment
CCSQ(PROG) — Consultative Committee on Substantive Questions (Programme Matters)
ODCCP — United Nations Office for Drug Control and Crime Prevention
IETC — International Environmental Technology Centre
NBER — National Bureau of Economic Research
EPLI — Employment Practices Liability Insurance
MSPA — Migrant and Seasonal Agriculture Worker Protection Act
CCAQ(FB) — Consultative Committee on Administrative Questions (Financial and Budgetary Questions)
FEP — Fair Employment Practices
ETR — United Nations Education and Training Programme
CBHCO — Community-Based Health Care Organization
VPT — Volume Price Trend
SJ — Sales Journal
STIP — Short-Term Industry Projections
T&E — Travel & Entertainment
BREP — Business Requirements Engineering Process
ING — Internationale Nederlanden Group (a Financial Company)
SLSMN — Salesman
OASI — Old Age Survivors Insurance
ILM — Industrial Light and Magic, Inc.
BEST — BrihnanMumbai Electric Supply and Transport
FYE — Fiscal year ended
DSPD — Division for Social Policy and Development
HTTP — Hyper Text Transport Protocol
T/B — Trial balance

SSM — Software Service Manager
SR — Systems Redesign
TPRB — Trade Policy Review Body
SLE — Single lease expense
SSTP — Streamlined Sales Tax Project
SMES — Small- and medium-scale enterprises
URLA — Uniform Residential Loan Application
HB — House B ill
NST — National Sales Tax
COMP. — Item given for free
WDC — Workforce Development Center
BPC — Budget Priority Committee
LTCG — Long-term capital gain
DUZ — Designated User
CCD — Centralized Contracting Division
NTU — National Taxpayer's Union
NIC — Newly Industrialized Countires
VCL — Vacancy and collection losses
GPML — Global Programme Against Money Laundering
CHRC — Criminal History Records Check
R/E — Retained earnings
FASAC — Financial Accounting Standards Advisory Committee
SBI — Site Build It
CDP — Committee for Development Policy
EAT — Exchange Accommodation Titleholder
AWL — Actual Wage Loss
SBO — Small Business Ombudsman
ORD — Office Of Research And Development (USEPA)
B2C — Business to Comerce
AETF — African Emergency Task Force
IREA — Intermountain Rural Electric Association
WHCRA — Women’s Health and Cancer Rights Act of 1998
CRA — Credit Rating Agency
COAG — Committee on Agriculture
B/A — Basic Agreement
CPI-U — Consumer Price Index for All Urban Consumers
RRM — Renegotiated-Rate Mortgage
USPAP — Uniform Standards of Professional Appraisal Practice
UNICC — United Nations International Computer Centre
SOBO — Small Office Business Office
ATP — Acquisition Training Program
DWC — Division of Workers Compensation
DCM — Department Cost Manager
EMIF — Emerging Issues Task Force
HAC — Health Administration Center
NOLD — Net Operating Loss Deduction
DBB — Design-bid-build
NAO — National Administrative Offices
UNCJIN — United Nations Crime and Justice Information Network
IBD — Investors Business Daily

OIS — Occupations Information System
CPK — Cost Per Keyword
CDR — Centre for Documentation and Research
CEOSH — Center for Engineering & Occupational Safety and Health
TOE — Time is of the essence
NEO — New and Emerging Occupations
CBRS — Currency banking and retrieval system
PPA — Pension Protection Act of 1987
OHR — Office of Human Resources
VLI — Variable Life Insurance
IOLTA — Interest on Lawyer's Trust Account
TUR — Total Unemployment Rates
LTP — Long-Term Plan
USPTO — U.S. Patent and Trademark Office
UNPF-HQ — United Nations Peace-Force Headquarters
IQPA — Independent Qualified Public Accountant
IACWGE — Inter-Agency Committee on Women and Gender Equity
CSCIS — Computer Software Configuration Items
TOM — Traded Options Market
RO&IC — Regional Office and Insurance Center
CSA — Common Services Architecture
TRD — Trade Relations Division
CONGO — Conference on Non-Governmental Organizations
USTC — United States Tax Court
OER — Owner's equivalent rent
PRA — Paperwork Reduction Act of 1980
GAO — General Accountability Office
IPDC — International Programme for the Development of Communications
CCHR — Canadian Council on Human Resources
NAVA — National Association for Variable Annuities
IMPACT — Inventory Management Program and Control Techinques
SPFS — Special Programme for Food Security
NOIDA — New Okhla Industrial Development Authority
NAWW — National Average Weekly Wages
UNMOP — United Nations Mission of Observers in Prevlaka
EMA — Expense Management Automation
UNFIP — United Nations Fund for International Partnerships
QIE — Domestically controlled qualified investment entity
PFA — Platform for Action
IAG — International Advisory Group
HR — Headquarters Regulation
MAG — Mine Advisory Group
VRP — Variable Rate Premium
SGML — Standard Generalised Markup Language
SDCF — Sellers Discretionary Cash Flow
OUSG — Office of the Under Secretary General
CFRS — Carry Forward in Rolling Settlement
BPO — Budget process outsourcing
INTECH — United Nations University Institute for New Technologies
CCSQ(OPS) — Consultative Committee on Substantive Questions (Operational Activities)

NABE — National Association for Business Economics
SBLF — Small Business Lending Fund
BSAD — Baseline System Architecture Document
OEBS — Office of Employee Benefits Security
IFEBP — International Foundation of Employee Benefit Plans
DM — Department of Management
MPPAA — Multiemployer Pension Plan Amendments Act
NAPAT — National Association for Private Annuity Trusts
RA — Resident Alien
LBO — Limited Buyout
EBO — Equity buy out
WCC — Working capital cycle
RIPA — Retirement Income Policy Act
MFST — Manifest
USOA — Uniform system of accounts
CLO — Collaterialized loan obligation
FAC-C — Federal Acquisition Certification in Contracting
NAALC — North American Agreement on Labor Cooperation
MF — Medical Facilities
UNTMIH — United Nations Transitional Mission in Haiti
USRPI — U.S. real property interest
YSP — Yield-spread premium
KMI — Knowledge Management Initiative
MAT — Minimum Alternative Tax
DR — Direct Response
INWEH — United Nations University International Network on Water, Environment and Health
CAMPS — Cumulative Auction Market Preferred Stock
FABS — Financial and Business Solutions
NCAER — National Council for Applied Economic Research
GEO — Global Environment Outlook Report
GIPS — Global Investment Policy Standards
UFW — United Farm Workers
BIRLS — Beneficiary Identification Records Locator Subsystem
NMHPA — Newborns’ and Mothers’ Health Protection Act
TCPC — Technical Committee for Programme and Coordination
FELA — Federal Employment Liability Act
CUNA — Credit Union National Assocation
FALD — United Nations Field Administration and Logistics Division
HRLY — Hourly
NRV — Net recoverable value
NAHB — NATIONAL ASSOCIATION OF HOMEBUILDERS
NPA — National Plans of Action
POC — Pacific Operations Centre
CDARS — Certificate of Account Registry Service
UNIS — United Nations Information Service
CFTA — Currency and Foreign Transaction Act
IMC — Integrated Market Communications
ECS — Enterprise Class Storage
BA — Business Architecture
TARP — Troubled Assets Relief Program

GPRS — General Packet Radio System
MQT — Medicaid Qualifying Trust
CFP — Clinical Financial Planner
ODPR — Office for Displaced Persons and Refugees
IASA — Internation Air Shipper's Association
OHCA — Organized Health Care Arrangement
RMA — Restricted management account
GST — Generation-Skipping Transfer
FCIC — Financial Crisis Inquiry Commission
OIP — Office of the Iraq Programme
IAS — United Nations University Institute of Advanced Studies
IEFR — International Emergency Food Reserve
DBM — Disruptive Behavior Management
SIU — Sets In Use
GAP — Gross amount paid
EBP — Employee Benefits Plan
COFI — Committee on Fisheries
ICFY — International Conference on the Former Yugoslavia
COBRA — Common Object Request Broker Architecture
TWAIN — Toolkit Without an Interesting Name
B&P — Budgeting & planning
MSFW — Migrant and Seasonal Farm Worker
SUTCDC — Special Unit for Technical Cooperation Among Developing Countries
PD — Procurement Division
BNI — Business Needs and Investment
PL — Profit and Loss
HRC — Historic Rehabilitation Credit
VBIA — Veterans Benefits Improvement Act of 2004
TAC — Technology Assessment Committee
SRPM — Stated Redemption Price at Maturity
DBIC — Data Base Integration Committee
SIA — Securities Industry Act of 1983
INRA — United Nations University Institute for Natural Resources in Africa
UNMA — United Nations Mission in Angola
PBC — Programme and Budget Committee
QREC — Quality Review Executive Committee
FUA — Federal Unemployment Account
WRKR — Worker
D/N — Demand note
RDMHQ — Rapidly Deployable Mission Headquarters
GLSO — Group Legal Services Organization
JEEP — Joint Ethics Enforcement Plan
USERRA — Uniform Services Employment and Reemployment Rights Act
UNIS — United Nations International School
NAEA — National Association of Enrolled Agents
IPI — Industrial Protection Index
PBGC — Pension Benefit Guarantee Corporation
SIPA — Securities Investment Protection Act
PPIP — Public-Private Investment Program
BLBA — Black Lunch Benefits Act

CVE — Center for Verification and Evaluation
PE — Pass-through entity
NDNH — National Directory New Hires
ERCI — Employee Relocation Council Institute
UNMO — United Nations Military Observers
HMO — Health Maintenance Organisation
IIOP — Internet Inter operable ORB Protocol
NCAO — National Cemetery Area Office
PBSI — Performance Based Salary Increase
PPBD — Programme Planning and Budget Division
HPS — Headquarters Procurement Section
IM/DQ — Identity Management/Data Quality
JSSA — Jury Selection and Service Act
IBDOEI — Income before discontinued operations and extraordinary items
OSDC — Over/Short/Damage/Claims
HST — Health Statistics
UNGEGN — United Nations Group of Experts on Geographical Names
HEP — Humanitarian Evacuation Programme
SEES — Survey Evaluation Exam System
COSG — Collaborative Opportunities Steering Group
RPO — Recruitment process outsourcing
BLESS — Borrowing and Lending Securities Schemes
SUB — Supplemental Unemployment Benefit
TRD — Transfer of Development
OTI — OSHA Training Institute
NBB — New Belgium Brewery
COFO — Committee on Forestry
WOSB — Woman-Owned Small Business
SFI — Six-Figure Income
HCIP — Harmonized Index of Consumer Pricing
DST — Delaware stautory trust
ZBA — Zero-Balance Account
DSRSG — Deputy Special Representative of the Secretary-General
PAHO — Pan American Health Office/Regional Office for the Americas of the WHO
DBIA — Database Integration Agreement
DGAACS — Department of General Assembly Affairs and Conference Services
HOW — Homeowner Warranty Plan
MINX — Multimedia Information Network Exchange (system)
SPX — Standard and Poor’s Index
POD — Professional & Organizational Development
EBRI — Employee Benefits Research Institute
PRP — Potentially Responsible Party (Superfund)
BRSP — Bureau for Resources and Strategic Planning
OALC — Office of Acquisition, Logistics, and Construction
USITC — U.S. International Trade Commission
TDB — Trade and Development Board
UNMAS — United Nations Mine Action Service
XFRML — XML based Financial Reporting Markup Language
XUL — eXtensible UserInterface Language
GWG — Gender Working Group

EPAU — Evaluation and Policy Analysis Unit
BKPR — Bookeeper
PKO — Peace-Keeping Operation
SBL — Small Business Liaisons
UNARDOL — United Nations Assistance for the Reconstruction and Development of Lebanon
BOY — Beginning of Year Violator
PCNICC — Preparatory Commission for the International Criminal Court
ICDB — International Childrens' Day of Broadcasting
DDB — Deemed death benefit
UNRCPDA — United Nations Regional Centre for Peace and Disarmament in Africa
CPK — California Pizza Kitchen
UNASOG — United Nations Aouzou Strip Observer Group
AIR — Assumed Investment Rate
NYMEX — New York Metal Exchange
HRIS — Human Resources Information Service
N/P — Note payable
CARDS — Custom Adjustable Rate Debt Structure
IPECILO — International Programme for the Elimination of Child Labour
UNHQ — United Nations Headquarters
PEPPRA — Public Employee Pension Plan. Reporting and Accountability Act
DRM — Division for Resources Mobilization
PCPB — Post-Conflict Peace-Building
JRPU — Joint Reintegration Programming Unit
SDC — System Development Center
VRM — Variable Rate Mortgage
MVI — Mini Vacations Incorporated
LAUS — Local Area Unemployment Statistics
FSB — Fortune Small Business
DC — Developed Countries
NSDL — National Securities Depository Limited
AFROWHO — Regional Office for Africa
IPC — Integrated Programme for Commodities
KFOR — UN Kosovo Force
EPLI — Employee practices liability insurance
WST — Waste Science and Technology
TPA — Technical Practice Aide
DITC — Division on International Trade in Goods and Services, and Commodities
WIA — Workforce Investment Act
SEAROWHO — Regional Office for South-East Asia Region
SPDC — Special Political and Decolonization Committee
PPBA — Office of Programme Planning, Budget and Accounts
VAAR — Department of Veterans Affairs Acquisition Regulation
DSD — Division for Sustainable Development
IUR — Insured Unemployment Rates
SE&I — Software Engineering & Integration
HDRO — Human Development Report Office
CEFU — Continuing Education Field Unit
UNPAAERD — United Nations Programme of Action for African Economic Recovery and Development
HUT — Households Using Television
FMSHA — Federal Mine and Safety Health Act

IAPSO — Inter-Agency Procurement Services Office
POB — Public Oversights Board
ECS — Event Capture System
JPAC — Joint Public Advisory Committee
VOC-ED — Vocational Education
STOLI — Stranger-originated life insurance
OHRM — Office of Human Resources Management
SBLC — Small Business Legislative Council
ICDAIT — International Conference on Drug Abuse and Illicit Trafficing
WPPDA — Welfare and Pension Plan Disclosure Act
LOW — Lack of Work
VEEP — Village Employment and Environment Programme
SMF/LDC — Special Measures Fund for the Least Developed Countries
IPO — Incorporated to Provide
QANTAS — Queensland and Northern Territory Ariel Service
PIRG — Public Interest Research Group
UNON — United Nations Office at Nairobi
UNMOVIC — United Nations Monitoring, Verification and Inspection Commission
OTR — Office of Thrift Supervision
SLOB — Separate lines of business
UNOV — United Nations Office at Vienna
UNSMA — United Nations Special Mission to Afghanistan
MGIC — Mortgage Guarantee Insurance Company
IMF — International Monitary Fund
UNLB — United Nations Logistic Base
UNTOP — United Nations Tajikistan Office for Peace-Building
FOIA — Freedome of Information Act
PJ — Purchases journal
CRISIL — Credit Rating Investment Services India Limited
UNPA — United Nations Postal Administration
PTD — Procurement and Transportation Division
ITARP — IT Activity Resource Proposal
DI — Derivative instrument
WCDMP — World Climate Data and Monitoring Programme
B/S — Benefits/Services
EPPG — Emergency Prevention and Preparedness Group
VC — Veterans Center
POP — Point-of-purchase
SARD — Sustainable Agriculture and Rural Development
UNREO — United Nations Rwanda Emergency Office
UNISTE — United Nations International Symposium on Trade Efficiency
POPIN — United Nations Population Information Network
UNROAP — United Nations Regional Office for Asia and the Pacific
HRC — Health Resource Center
ULC — Uniform Law Commissioners
VAMC — Va medical center
MRAM — Magnetic Random Access Memory
HRI — Human Rights Instruments
SOIR — Schaeffer Open Interest Ratio
UNSF — United Nations Security Force in West New Guinea

CWSP — College Work-Study Program
EBX — Electronics Boutique X
UNPA — United Nations Protected Area
STW — School-To-Work
ECLAC — Economic Commission for Latin America and the Carebbean
UNICPO — United Nations Open-ended Informal Consultative Process on Ocean Affairs
ROLAC — Regional Office for Latin America and the Carribean
PPA — Paperwork Reduction Act
UNCPCJP — United Nations Crime Prevention and Criminal Justice Programme
NVCA — National Venture Captial Association
PE — Printer Error
JAIN — Joint American Indian Network
TSB — Targeted Small Business
FROI — First Report of Injury
EPRS — Emergency Preparedness and Response Section
SEBI — Securities Exchange Board of India
VBOP — Veterans Business Outreach Centers
SFO — Solicitatio for offers
UNTAG — United Nations Transition Assistance Group
UNPOB — United Nations Political Office in Bougainville
UNOB — United Nations Office in Burundi
NHCE — Non-Highly Compensated Employee
UNCRO — United Nations Confidence Restoration Operation in Croatia
NSTA — National Securities Trade Association
CIFR — Committee on Improvements to Financial Reporting
UNTPDC — United NationsTrade Point Development Centre
EHLP — Emergency Homeowners Loan Program
SOS — Switched On Schoolhouse
TEUC — Temporary Extended Unemployment Compensation
NVC — National Veterans Conference
HEA — Health Enterprise Architecture
WPRO — Western Pacific Regional Office
ESOT — Employee Stock Ownership and Trust
UNTAES — United Nations Transitional Administration for Eastern Slavonia, Baranja and Western Sirmium
EMROWHO — Regional Office for the Eastern Mediterranean
CIMO — Commission for Methods of Observation
UNPF — United Nations Peace-Force
NRET — Non-Resident Withholding Tax
CI — Control Item
NVSBC — National Veterans Small Business Conference
PATS — Planning, Architecture, Technology and Services
UNOMA — United Nations Observer Mission in Angola
CORBAIIOP — CORBA Internet Inter ORB Protocol
CORTS — Corporate-backed trust securities
UNITES — United Nations Information Technology Corps of Volunteers
UNRFNRE — United Nations Revolving Fund for Natural Resources Exploration
LPA — Local Plans of Action
UNTSO — United Nations Truce Supervision Organization
LTFP — Long-Term Financial Plans
WOTC — Workforce Opportunity Tax Credit

STAT — Statistical Division
SROI — Subsequent Report of Injury
UNRRA — United Nations Relief and Rehabilitation Agency
SEPPAA — Single Employer Pension Plan Amendments Act
VACO — VA Central Office
UNSC — United Nations Staff College
SIGHTWHO — Summary Information on Global Health Trends
UNJSPB — United Nations Joint Staff Pension Board
WWC — World Water Conferences
UNIKOM — United Nations Iraq-Kuwait Observation Mission
BCUN — Business Council for the United Nations
FSET — Federal State Employment Taxes
STCG — Short-Term Capital Gain
JIU — Joint Inspection Union
CT — Commercial Technology
SOPAC — South Pacific group of countries
MCFS — Modern Carry Forward System
SOYD — Sum-of-the-years-digits
UNOL — United Nations Peace-Building Support Office in Liberia
WPOA — Wagner-Peyser Act
NVSBE — National Veterans Small Business Engagement
PIU — Public Inquiries Unit
VERONICA — Very Easy Rodent Oriented Netwide Index of Computer Archives
UNAMA — United Nations Assistance Mission to Afghanistan
OAO — Office of Acquisition Operations
SERP — Systemwide Electronic Research Program
EFAST — ERISA Filing Acceptance System
CSBU — Center for Small Business Utilization
INMARSAT — Convention on the International Mobile Satellite Organization
RCNYO — United Nations Regional Commissions New York Office
BIMST-EC — Bangladesh India Myanmar Srilanka Thailand - Economic Council
LA — Labor Area
UNGCI — United Nations Guards Contingent in Iraq
TOKTEN — Transfer of Knowledge through Expatriate Nationals
UNGIWG — United Nations Geographic Information Working Group
WDCD — Intergovernmental Committee for the World Decade for Cultural Development
UNAT — United Nations Administrative Tribunal
PSR — Presentence report
CIM — Corporate Information Model
PIP — Peace Implementation Programme
TAC — Technology Acquisition Center
NGLS — United Nations Non-Governmental Liaison Service
LLET — Limited Liability Entity Tax
VOC-REHAB — Vocational Rehabilitation
VWPT — Value Weighted Price Trading
VETS — Veteran's Employment & Training Service
QWI — Quarterly Workforce Indicators
OASG — Office of the Assistant Secretary-General
WARN — Worker Adjustment and Retraining Notification Act W&M
POS — Point-of-sale

UNFICYP — United Nations Force in Cyprus
JUNIC — Joint UN Information Committee
POP — Premium-Only Plan
ODS — Office of Develoment Studies
STD — Short-term Insurance
QPAM — Qualified Professional Asset Manager
UNDOC — United Nations Documents Index
WFUNA — World Federation of UN Associations
NTFO — Nationwide Tax Forums Online
EUROWHO — Regional Office for Europe
ITAAC — IT Acquisition Advisory Council
OF — Office of Facilities
SRDC — Subregional Development Centre
PPI — Division for Planning and Public Information
UNSIA — United Nations System-wide Special Initiative on Africa
BMVC — Baghdad Monitoring Verification Centre
NUSS — Nuclear Safety Standards
CIOFO — Chief Information Office Field Office
UNPOS — United Nations Political Office for Somalia
OCLA — Office of Congressional Legislative Affairs
TRIPS — Trade-Related Aspects of Intellectuel Property Rights
UNSSOD — United Nations General Assembly's Special Session on Disarmament
UNTACDA — United Nations Transport and Communications Decade in Africa
UNROD — United Nations Relief Operation in Dacca
NPEP — National Poverty Eradication Plan
UNGASS — Special Session of the General Assembly
VIP — Veteran Information Pages

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