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Business & Finance >> Business Word Abbreviations

Look through 2927 acronyms and abbreviations related to Business Word:

S.M.A.R.T — Specific, Measureable, Attainable, Realistic, Timely
SOX — Sarbanes-Oxley
CPOE — Computerized Physician Order Entry
BCWS — budgeted cost for work scheduled
AAO — Affirmative Action Officer
TTL — Total
MNC — Multinational Corporation
RMA — Return Merchandise Authorization
DEPR. — Depreciation
UM — Uninsured Motorist
FGM — Female Genital Mutilation
HCE — Highly Compensated Employee
ACR — Accrual
OSS — Open Source Software
B/E — Breakeven
BCWP — Budgeted Cost for Work Performed
LAN — Local Area Network
CORELAP — Computerised Relationship Layout Planning
CP — Contingency Plan
M-O-M — Month over month
IGO — Intergovernmental Organization
GLB — Gramm-Leach-Bliley Act
URL — Universal Resource Locator
UNLTD — Unlimited
YTD — Year To Date
GPROI — Gross Profit Return on Investment
RAROC — Risk-Adjusted Return On Capital
OPT — Other People's Time
DDB — Double-Declining-Balance
ETA — Estimated Time of Arrival
O/S — Outstanding
B-TO-C — Business to consumer
XML — Extensible Markup Language
BFOQ — Bona Fide Occupational Qualification
FLSA — Fair Labor Standards Act
P.L. — Public Law
FMLA — Family Medical Leave Act
FOMC — Federal Open Market Committee
P.O.C. — Paid outside of closing
GEICO — Government Employees Insurance Company
CAGR — Compound Annual Growth Rate
ARPANET — Advanced Research Projects Agency Network (early internet)
CSR — Customer Service Representative
HIPPA — Health Insurance Portability and Accountability Act
5S — Seiri, Seiton, Seiso, Seiketsu, Shitsuke
RFID — Radio Frequency Identification
A.O.B. — Any other business
O*NET — Occupational Information Network
BGT — Budget
S&OP — Sales and Operations Planning

APR — Annual Percentage Rate
ROM — Read-Only Memory
C-CPI-U — Chained Consumer Price Index for All Urban Consumers
DOB — Date Of Birth
FTP — File Transfer Protocol
B-TO-B — Business-To-Business
CRFB — Committe for Responsible Federal Budget
PLS — Please
U&C — Usual and customary
F/B/O — For benefit of
JC PENNEY'S — James Cash Penney
THX — Thanks
U.S.C. — United States Code
AFDC — Aid to Families with Dependent Children
CBPP — Center on Budget and Policy Priorities
BBS — Bulletin Board Service
KPMG — Klynveld Peat Marwick Goerdeler
MBTI — Myers-Briggs Type Indicator
FISMA — Federal Information Security Management Act
BCA — Business Continuity Plan
ANSI — American National Standards Institute, Inc.
A/OPC — Agency/Organization Program Coordinator
P&Z — Planning & Zoning
RCNLD — Replacement Cost New Less Depreciation
ATM — Automatic Teller Machine
ANOVA — Analysis of Variance (statistics)
CMO — Collateralized Mortgage Obligation
M.O.M. — Middle of the month
ARO — After Receipt of Order
C.L.U.E. — Comprehensive Loss Underwriting Exchange
C-CPI — Chained Consumer Price Index
SSN — Social Security Number
NFI — Net Financial Income
IT — Information Technology
ATF — As Trustee for
IPCC — Intergovernmental Panel on Climate Change (WMO and UNEP)
W-A — Weighted average
E.O. — Executive Order
LIFO — Last In, First Out
PPE — Personal Protective Equipment
J/E — Journal entry
UBTI — Unrelated Business Taxable Income
GM — Gross Margin
W/O — Without
A&MMS — Acquisition and Materiél Management Service
C.&F. — Cost and freight
U.S. DOL — United States Department of Labor
FANNIE MAE — Federal National Mortgage Association (a privately owned corporation)
RNFA — Return On Net Financial Assets
FAC-P/PM — Federal Acquisition Certification Program/Project Management

E&IT — Electronic and Information Technology
QDRO — Qualified Domestic Relations Order
DRIP — Dividend Reinvestment Plan
LY — Last Year
IRC — Internet Relay Chat
UNICEF — United Nations International Children's Emergency Fund
FDIC — Federal Deposit Insurance Corporation
SD — Standard Deviation
EPA — Environmental Protection Agency (US)
MPC — Marginal Propensity to Consume
U.S. DOJ — United States Department of Justice
P&L — Profit and Loss statement
FTE — Full Time Equivalent
EGTRRA — The Economic Growth and Tax Relief Reconciliation Act of 2001
A&MM — Acquisition and Materiél Management
SALY — Same As Last Year
COB — close of business (End of duty day)
M.ED — Masters in Education
PDF — Portable Document Format (created by Adobe Acrobat)
ROM — Range Of Motion
FIFO — First In, First Out
IDIQ — Indefinite Delivery, Indefinite Quantity
OA&L — Office of Acquisition and Logistics
UNESCO — United Nations Educational, Scientific and Cultural Organization
I-TIPS — Information Technology Investment Portfolio System
KPI — Key Performance Indicator
GATB — General Aptitude Test Battery
EOQ — economic order quantity
POD — Proof Of Delivery
QSC — Quality, Service, Cleanliness (Ray Kroc's motto for McDonald's)
AAA-CPA — American Association of Attorney-Certified Public Accountants
WHO — World Health Organization
WAASE — Division for Western Asia, Arab States and Europe
FEMA — Federal Emergency Management Agency
ITEP — Institute on Taxation and Economic Policy
VAGFE — VA-owned Government Furnished Equipment
CD — Certificate of Deposit
NAFEP — National Association of Financial and Estate Planning
LLC — Limited Liability Company
NAFTA-TAA — NAFTA Transitional Adjustment Assistance
NOC — Net Operating Capital
INC — Intergovernmental Negotiating Committee
RFP — Request For Proposal
FF&E — Furniture, Fixtures & Equipment
IP — Internet Protocol
QC — Quality Control
OI — Operating Income
QCEW — Quarterly Census of Employment and Wages
POA — Power Of Attorney
ACC — Accounting Classification Code

AAA — American Automobile Association
GP — Gross Profit
HIPC — Heavily Indebted Poor Countries
CBD — Cash Before Delivery
RFQ — Request For Quotation
S&U — Sales and use
EBITA — Earnings before interest taxes depreciation amortization
DKNY — Donna Karan New York
PO — Purchase Order
IACSD — Inter-Agency Committee on Sustainable Development
AUP — Acceptable Use Policy
ATTN — Attention
EAP — Employee Assistance Program
LC — Letter of Credit
GDP — Gross Domestic Product
YUPPIE — Young Urban Professional
IRR — Internal Rate of Return
CY — Calendar Year
WACC — Weighted Average Cost Of Capital (accounting)
BSA — Bank Secrecy Act
CBC — Complete Blood Count
FLRA — Federal Labor Relations Authority's
CEO — Chief Executive Officer
RICO — Racketeer Influenced and Corrupt Organizations Act of 1970
EDI — Electronic Data Interchange
ACCT — Account
ISP — Internet Service Provider
ACH — Automated Clearing House
GSM — Global System for Mobile Communications
PC — Politically Correct
CAO — Chief Accounting Officer
IPO — Initial Public Offering
CV — Curriculum Vitae
PIP — Performance Improvement Plan
AA — Affirmative Action
BMW — Bayerische Motoren Werke (Bavarian Motor Works)
LOI — Letter Of Intent
CCB — Change Control Board
FIT — Financial institutions tax
MSDS — Material Safety Data Sheets
CMT — Constant Maturity Treasury
COBRA — Consolidated Omnibus Budget Reconciliation Act of 1985
TQM — Total Quality Management
TSR — Total Shareholder Return
SPV — Special Purpose Vehicle (sometimes Single Purpose Vehicle)
OECD — Organization for Economic Cooperation and Development
MOU — Memorandum of Understanding (an MOU between Food & Drug Administratin and a regulatory agency in another country allows mutual recognition of inspections)
AMD — Advanced Micro Devices, Inc. (producer of computer chips)
EST — Eastern Standard Time
CDO — Collateralized Debt Obligation

AP — Accounts Payable
DCP — Defined Contribution Plan
LMRA — Labor Management Relations Act
ASCII — American National Standard Code for Information Interchange
MTBF — Mean Time Before Failure
BFP — Bona Fide Purchaser
R&D — Research & Development
EDWOSB — Economically disadvantaged woman-owned business
LLP — Limited Liability Partnership
CBA — Cost Benefit Analysis
ABC — activity based costing
SMTP — Simple Mail Transfer Protocol
FINRA — Financial Industry Regulatory Authority
ADB — Asian Development Bank
ARB — Architecture Review Board
EEO — Equal Employment Opportunity
IBAN — International Bank Account Number
CPI — Consumer Price Index
DFA — Department of Finance and Administration
RTO — Reverse Take-Over
SLA — Service Level Agreement
M/M — Month-over-month
GIS — Geographic Information System
DIH — Days Inventory Held
COD — Cash On Delivery
UPS — United Parcel Service, Inc.
WML — Wireless Markup Language
GL — General Ledger
LOB — Line Of Business
ETA — Department of Labor's Employment and Training Administration
C&F — Cost and Freight
CIP — Carriage and Insurance Paid to
DVP — Delivery Versus Payment
ETR — Effective Tax Rate
SRAM — Static Random Access Memory (ess-ram)
ADR — American Depositary Receipt
SAAS — Software as a Service
NGO — Non-governmental organization. (Red Cross/Crescent, Doctors without Borders, etc.)
BOV — Broker’s Opinion of Value
CPO — Cost Per Order
PDA — Personal Digital Assistant
ADP — Automated Data Processing
LTCM — Long-Term Capital Management
FAQ — Frequently Asked Questions (sometimes Pronounced Fak)
ROIC — Return on Invested Capital
O&M — Operation and Maintenance
USDA — United States Department of Agriculture
EOD — End Of Day
BPML — Business Process Modeling Language
NOA — Net Operating Assets

ASME — American Society of Mechanical Engineers
PAQ — Position Analysis Questionnaire
NPV — Net Present Value {economics}
DMAIC — Define, Measure, Analyze, Improve, Control
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.
ANCOM — Andean Common Market
RPI — Retail Price Index
CBO — Congressional Budget Office
NRI — Net Revenue Interest
IM/IT — Information Management/Information Technology
ROE — Return On Equity
FICCO — Fair Issac Credit Organization
FR — Federal Register
AWOL — Absent Without Leave
ADR — Alternative Dispute Resolution
LTV — Loan To Value
NYSE — New York Stock Exchange
AUM — Assets Under Management
YTM — Yield to Maturity
EXCOM — Executive Committee
NAB — Non-accrual basis
GPS — Global Positioning System (ex-NAVSTAR)
BLS — Bureau of Labor Statistics of the United States Department of Labor
VPN — Virtual Private Network (ATM)
IRA — Individual Retirement Account
G2C — Government to Consumer
CAPEX — Capital Expenditure
AD — Advertisement
OTC — Over The Counter (medications not requiring a prescription)
ICFR — Internal Control Over Financial Reporting
CRO — Chief Risk Officer
ADL — activity of daily living
EO — Executive Order
ABO — Accumulated Benefit Obligation
GATT — General Agreement on Tariffs and Trade (government)
PE — Private Equity
SKU — Stock Keeping Unit
OT — Overtime
ADR — American Depository Receipt
DOT — Department of Transport
UCC — Uniform Commercial Code
CFM — Construction Facility Management
MIS — Management Information System (OSHA)
EU — European Union (1994; formerly referred to as the EEC or EC)
P&G — Proctor and Gamble
NOPAT — Net Operating Profit After Tax
MTF — Medical Treatment Facility
DBA — Doing Business As
ADP — Actual Deferral Percentage
CP — Commercial Paper

ARM — Adjustable Rate Mortgage
JV — Joint Venture
PV — Present Value
GNP — gross national product (economics)
GOI — Gross Operating Income
RFI — Request For Information. Sales department shorthand. Special priority when use in conjunction with RFN (see below).
LFPR — labor force participation rate
MTD — Month-to-date
PPO — Preferred provider organization
3M — Minnesota Mining And Manufacturing Company
IBM — International Business Machines Corporation
UTD — Under Trust Dated
IVR — Interactive Voice Response (telephone technology)
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.
TDC — Total Direct Compensation
ARC — American Red Cross
REO — Real Estate Owned
CAE — Computer-Aided Engineering
LOC — Line Of Credit
CIO — Chief Information Officer
KSOP — 401(k) Employee Stock Option Plan
BOL — Bill Of Lading
Q — Quarter
ABM — Activity Based Management
UNDMT — United Nations Disaster Management Team
FY — Fiscal Year
OJT — On the Job Training
IOC — Intergovernmental Oceanographic Commission
SAN — Storage Area Network
ICAO — International Civil Aviation Organization
NFO — Net Financial Obligations
FTA — Free-Trade Agreement
RAM — Reverse Annuity Mortgage
HMO — Health Maintenance Organization
NFE — Net Financial Expense
CPM — Critical Path Method
DOD — United States Department of Defense
APT — Arbitrage Pricing Theory
TBD — To Be Determined
PD — Position Description
ICE — Intrusion Countermeasures Electronics
LMI — Labor Market Information
PFA — Prevention of Food Adulteration Act
ERP — Emergency Response Plan
MIGA — Multilateral Investment Guarantee Agency
RFC — Request For Comment
PM — Performance Management
IPS — Investment Policy Statement
QTY — Quantity
OTB — Open To Buy

ROG — Receipt Of Goods
CADR — Cash available for distribution before debt reduction
SGLI — Servicemember Group Life Insurance
RAM — random-access memory
CMA — Comparative Market Analysis
JGTRRA — Jobs and Growth Tax Relief Reconciliation Act
FAA — Federal Aviation Administration
IMF — International Monetary Fund
BEA — Bureau of Economic Analysis
RONA — Return On Net Assets
AAR — Average Annual Return
NDA — Non-Disclosure Agreement
FAR — Federal Acquisition Regulation
COO — Chief Operation Officer
CTR — Currency Transaction Report
LWDI — Lost Work Day Injury Rate
ITIN — Individual Taxpayer Identification Number
EEOC — Equal Employment Opportunity Commission
DC — Defined Contribution
JIT — Just in time
FOREX — Foreign Exchange
F/K/A — Formally known as
SDR — Special Drawing Rights
GA — General Assembly
CV — Cost Variance
AIG — American International Group, Inc
EMA — Exponential Moving Average
AGI — Adjusted Gross Income
DES — Data Encryption Standard
SG&A — Selling, general, and administrative expenses
CIM — Computer Integrated Manufacturing
B/L — Bill of Lading
NAV — Net Asset Value
GRM — Gross Rent Multiplier
DMA — Designated Market Area
AER — Annual Equivalent Rate
ACWP — actual cost for work performed
DUSHOM — Deputy Under Secretary for Health for Operations and Management
CFROI — Cash Flow Return on Investment
HR — Headquarters Report
RIF — Reduction In Force
IETF — Internet Engineering Task Force
AE — Account Executive
ROTA — Return On Total Assets
DPKO — Department of Peacekeeping Operations
CRS — Congressional Research Service
AFL-CIO — American Federation of Labor and Congress of Industrial Organizations
DJIA — Dow Jones Industrial Average
UIM — Underinsured Motorist
BIW — Biweekly

ASP — Active Server Page
FINCEN — Financial Crimes Enforcement Network
PGP — Pretty Good Privacy (encryption)
JD — Juris Doctorate
FOB — Free On Board
AGR — Adjusted Gross Revenue
GRUT — Grantor Retained Unitrust
PDM — Product Data Management
CE&O — Customer education and outreach
CTS — Carpal Tunnel Syndrome
MDGD — Management Development and Governance Division
CPM — Certified Property Manager
ALM — Asset Liability Management
NSC — National Security Council
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
POP — Point Of Purchase
Y/Y — Year-over-year
POE — Point of Entry
IFRIC — International Financial Reporting Interpretations Committee
AM — Asset Management
APPROX — Approximate
FAS — Free Alongside Ship
NPW — Net Present Worth
FUBU — For Us By Us
CPC — Cost Per Click-through
NFA — Net Financial Assets
VC — Venture Capital
ROR — Return on Revenue
DRAM — Dynamic Random Access Memory (dee-ram) (computing)
RSF — rentable square feet
BD — Business Development
RR — retention rate
AARP — American Association of Retired Persons
ADA — Americans With Disabilities Act Of 1990 (Text Of ADA Legislation)
GMP — Good Manufacturing Practice
QOS — Quality of Service
AFDA — Allowance for Doubtful Accounts
CTO — Compensatory Time Off
CBT — Computer Based Training
FDCPA — Fair Debt Collection Practices Act
CRM — Customer Relationship Management
ESP — Exchange Stock Portfolio
SLIP — Serial Line Interface Protocol
C&B — Compensation and Benefits
ETF — Exchange Traded Fund
ADB — African Development Bank
NATO — North Atlantic Treaty Organisation
SQA — Software Quality Assurance
BPA — Blanket Purchase Agreement
OPR — Other People's Resources

WWW — World Weather Watch
G2G — Government to Government
LOA — Leave Of Absence
AMEX — American Stock Exchange
OTCEI — Over the Counter Exchange of India (stock exchange)
OA — Operating Assets
GRP — Gross Rating Point
RMP — Risk Management Plan
LWP — Leave With Pay
FASAB — Federal Accounting Standards Advisory Board
MBA — Mortgage Bankers Association of America
EP — Earned Premium
IATA — International Air Transport Association
DNS — Domain Name System
FPL — Federal Poverty Level
QA — Center for Quality Assurance in International Education
PFD — Preferred
CTO — Chief Technology Officer
MIRR — Modified Internal Rate of Return
IRC — Internal Revenue Code of 1986
MSA — Metropolitan Statistical Area
JOA — joint operating agreement
NNN — Triple Net (Lease)
AMA — American Management Association
OASDI — Old Age Survivors Disability Insurance
CR — Continuing Resolution
SEM — Search Engine Marketing
ALDEP — Automated Layout Design Programs
DRP — distribution requirements planning
POP — Point Of Presence (Internet)
DCR — Debt Coverage Ratio
CDC — Center for Disease Control and Prevention
BI — Business Intelligence
BOO — Build Own Operate
CCAQ — Consultative Committee on Administrative Questions
AON — Angolan New Kwanza
CF — Cash Flow
CFR — Code of Federal Regulations
CUM PFD — Cumulative preferred
EV — Enterprise Value
ABA — American Bankers Association
ODA — Official Development Assistance
GMWB — Guaranteed Minimum Withdrawal Benefit
VISN — Veterans Integrated Service Network
WIP — Work in Process
FDA — Food Drug Administration
FAO — Food and Agriculture Organization of the United Nations
IFRS — International Financial Reporting Standard
D/O — Delivery Order
GSA — U.S. General Services Administration

MEC — Modified Endowment Contract
BARS — Behaviourally-Anchored Rating Scale
WC — Worker's Compensation
DSO — Day Sales Outstanding
ROI — Return on Investment
CUSFTA — Canada-US Free Trade Agreement
AMA — American Medical Association
PNG — Portable Network Graphics (graphic file standard/extension)
STD — Standard
HVAC — Heating, Ventilation, and Air Conditioning
SM — Service Mark
CISO — Chief Information Security Officer
ISDN — Integrated Services Digital Network
MSN — Microsoft Network
MSRP — Manufacturer's Suggested Retail Price
BOP — Bureau Of Prisons
NT — Near-Term
BOE — Bank of England
RULPA — Revised Uniform Limited Partnership Act
COOP — Continuity of Operations
IRS — U.S. Internal Revenue Service
IAEA — International Atomic Energy Agency
TCO — Total Cost of Ownership
CRAT — Charitable Remainder Annuity Trust
HAZMAT — Hazardous Material
SMT — Senior Management Team
TER — Total Expense Ratio
AJE — Adjusting Journal Entry
ACRS — Accelerated Cost Recovery System (finance)
DTA — Deferred tax assets
TIN — Taxpayer Identification Number
DOE — United States Department of Energy (government)
CPP — Capital Purchase Program
SIC — Standard Industrial Classification (Code)
CPM — Continuous Passive Motion
HROD — Human Resources and Organizational Development
ACO — Administrative Contracting Officer
FTE — Full-Time Employee
IM — Information Management
ITLOS — International Tribunal for the Law of the Sea
PMI — Private Mortgage Insurance
MA — Moving Average
DPP — Direct Participation Program
BS — Balance Sheet
EURIBOR — Euro Interbank Offered Rates
REIT — Real Estate Investment Trust
DOJ — Department of Justice (US)
A&W — Allen & Wright (Roy Allen and Frank Wright combined their initials to name A&W Root Beer in 1922)
ETA — Employment and Training Administration
POC — Proof of Claim

ABP — Average Benefit Percentage
POD — Payable on Death
GRAT — Grantor Retained Annuity Trust
PM — Program Manager
CIMA — Chartered Institute of Management Accountants
MSA — Medical Savings Account
EFA — Education for All
SAR — Stock Appreciation Right
IDR — Issuer Default Rating
PRI — Primary Rate Interface (ISDN)
MAD — Mean Absolute Deviation
FRF — Financial Reporting Framework
CAFTA — Central American Free Trade Agreement
IMAP — Internet Message Access Protocol
CMO — Chief Marketing Officer
EIN — Employer Identification Number
LBO — Leveraged Buyout
ARNP — Advanced Registered Nurse Practitioner
CRT — Charitable Remainder Trust
PBO — Projected Benefit Obligation
PNP — Plug aNd Play
ABS — Automated Bond System
PAT — Profit After Tax
CFO — Communication Filing Officer
EOE — Equal Opportunity Employer
GSF — Gross Square Feet
ATO — Asset Turnover
FMS — Financial Management Service
BOMA — Building Owners and Managers Association
ERP — Estimated Retail Price
CAPM — Capital Asset Pricing Model
ITC — Information Technology Center
WC — Working Capital
CME — Chicago Mercantile Exchange
TTM — Trailing Twelve Months
PVGO — Present Value of Growth Opportunities
PC — Personal computer (host)
PC — Percent
LTO — Long-Term Option
AD&D — Accidental Death and Dismemberment
SEPG — Software Engineering Process Group
HIBOR — Hong Kong interbank offered rate
DI — Disability Insurance
FOIA — Freedom of Information Act
SBU — Strategic Business Units
CSRS — Civil Service Retirement System
IFB — Invitation For Bid
EFT — Electronic Funds Transfer
PHP — PHP Hypertext Processor
DCA — Dollar Cost Averaging

4P — Price, Product, Place and Promotion
UNU — United Nations University
VSNL — Videsh Sanchar Nigam Limited
NIBCL — Non-interest bearing current liabilities
PPI — Producer Price Index
AQL — Acceptable Quality Level
ICC — International Criminal Court
RAID — Redundant Array of Inexpensive Disks
BNA — Bureau of National Affairs, Inc.
XTML — eXtensible Telephony Markup Language
NAM — National Association of Manufacturers
AMF — American Machine & Foundry (bowling lane operators and former owners of Harley Davidson motorcycles)
IDIT — Intentionally defective irrevocable trust
FASAB — Financial Accounting Standards Advisory Board
SAM — Shared-Appreciation Mortgage
CPA — Certified Public Accountant
FSA — Flexible Spending Account
TL — Truckload
TDA — Tax Deferred Annuity
CIP — Capital Investment Proposal
BHAG — Big Hairy Audacious Goal
APY — Annual Percentage Yield
CASB — Cost Accounting Standards Board
ERV — Estimated Rental Value
GPP — Gross Profit Percentage
EBT — Earnings Before Tax
CPM — Corporate Performance Management
ITA — International Trade Administration
CEN — Committee European de Normalisation
COGS — Cost of Goods Sold
AMT — Amount for Married Taxpayers
UNRWA — United Nations Relief and Works Agency for Palestine Refugees in the Near East
CMS — Content Management System
SAR — Suspicious Activity Report(ing)
ERISA — Employee Retirement Income Security Act
UI — User Interface
JD — Job Description
UNEP — United Nations Environment Program
GFE — Good Faith Estimate
LBB — Legislative Budget Board
ASB — Accounting Standards Board
EOY — End-Of-Year
SAS — Statement on Auditing Standards
DCF — discounted cash flow rate
HCFA — Health Care Financing Administration
COLA — Cost of Living Adjustment (or Allowance)
OE — Operating Expense
CAGR — Compounded Annual Growth Rate
BCR — Benefit/Cost Ratio
MDB — Multilateral Development Bank

IMO — International Maritime Organization
GRIT — Grantor Retained Income Trust
DUSH — Deputy Under Secretary for Health
CMM — Capability Maturity Model
SRM — Supplier Relationship Management
ITC — Information Technology Conference
ASP — Application Service Provider
PERT — Program Evaluation and Review Technique
REPO — Repurchase Agreement
CUM — Cumulative
ISO/MSP — Independent sales organization/Member service provider
PD — Paid
ZIP — Zone Improvement Plan
3PL — Third Party Logistics
PM — Profit Margin
AICPA — L'American Institute of Certified Public Accountants
ADP — Average Deferral Percent
LIBOR — London interbank offering rate
OMB — Office of Management and Budget (U.S.)
GPI — Gross potential income
ROS — Return on Sales
BDF — Beneficiary Designation Form
CDHP — consumer-driven health plan
RP — Repurchase Agreement
USP — Unique Selling Point
BOD — Board of Directors (Budget)
COTR — Contracting Officer Technical Representative
CVP — Cost-Volume-Profit
MC — Market Capitalization
FCRA — Fair Credit Reporting Act
DDU — destination delivery unit
ITU — International Telecommunication Union
SC — Security Council
NI — Net Income
RTF — Rich Text Format
P2P — Peer to Peer (as in music file sharing systems like KaZaA)
OAS — Option Adjusted Spread
TIL — Truth in Lending
IRIN — Integrated Regional Information Networks
CPI — Cost Performance Index
HSA — Health Savings Account
HELOC — Home Equity Line of Credit
SBLC — Standby Letter of Credit
CMA — Certified Management Accountant
ITF — In Trust For
TRO — Temporary Restraining Order
HQ — Headquarters (HDQ Preferred)
TCN — Third Country National
RO — Regional Office
RWA — Risk Weighted Asset

BAFO — Best and Final Offer
MPS — Marginal Propensity to Save
TM — Trademark
CFA — Chartered Financial Analyst
AOV — Average Order Value
TDI — Temporary Disability Insurance
SOHO — Small Office Home Office
DBA — Data Base Administrator
QMAC — Qualified Matching Contributions
TAM — Television Audience Measurement
EE — Employee
MLS — Multiple Listing Service
FASAC — Financial Accounting Standards Advisory Council
TCE — Tangible Common Equity
POCS — Points of Contact
PY — Program Year
ESOP — Employee Stock Ownership Plan
ACV — Actual Cash Value
CPM — Cost Per Thousand
LMRDA — Labor-Management Reporting and Disclosure Act of 1959
NLRB — National Labor Relations Board
SNA — System of National Accounts
PDA — Personal Data Assistant
HDI — Human Development Index (UNDP yardstick of human welfare)
AED — United Arab Emirates Dirham
EPS — Earnings per share
EPA — Equal Pay Act
AT&T — American Telephone and Telegraph (U.S. company, also known as "Ma Bell")
BOS — Behavior Observation Scale
IBRD — International Bank For Reconstruction And Development (part Of The World Bank)
CGS — Cost of Goods Sold
ROGFA — Return on Gross Fixed Assets
COS — Chief of Staff
ATCF — After Tax Cash Flow
CFA — Consumer Federation of America
IRCA — Immigration Reform and Control Act
A&H — Accident and health insurance
FCC — Federal Communications Commission (US)
BOOT — Build Own Operate Transfer
SBO — Small Business Owner
CHR — Commission on Human Rights
CDL — Commercial Driver's License
IC — Internal Control
SUA — Convention for the Suppression of Unlawful Acts Against the Safety of Maritime Navigation
OCR — Overall Capitalization Rate
MMDA — Money Market Deposit Account
TIPS — Treasury Inflation-Protected Securities
ROCE — Return On Capital Employed
OID — Original Issue Discount
ADI — After Date of Invoice

PHC — Personal Holding Company
BU — Bargaining Unit
SCM — Supply Chain Management
FTC — Federal Trade Commission (U.S.)
FNA — Financial needs analysis
B2B — Business to Businesse
G2B — Government to Business
CBCMC — Clinical Bar Code Multidisciplinary Committee
HUD — Department of Housing and Urban Development (U.S.)
OPM — Office of Personnel Management
PFS — Personal Financial Specialist
RFQ — Request For Quote
RESPA — Real Estate Settlement Procedures Act
HR&A — Human Resources and Administration
EVA — Economic Value Added
CSO — Commissioners Standard Ordinary
PY — Prior Year
GR — General Revenue
IP — Intellectual Property
STSFCTN — Satisfaction
STR — Software Test Report
EOB — Explanation Of Benefits
HR — HUMAN RESOURCES
GED — General Equivalency Diploma
GAAP — Generally Accepted Accounting Procedures
UNFPA — United Nations Fund for Population Activities (see www.unfpa.org)
CIO — Chief Investment Officer
COE — Certificate of Eligibility
DOL — United States Department of Labor
UR — Utilization Review
HR — Human Resource
LTIP — Long-Term Incentive Plan
MI — Mortgage Insurance
EPTA — Expanded Programme of Technical Assistance
GIF — Guaranteed Investment Fund
QTD — Quarter-to-Date
XHTML — Extensible Hypertext Markup Language
IDP — Internally Displaced Person
UN — United Narions
ATB — Across the Board
FFY — Federal Fiscal Year
SGA — Substantial Gainful Activity
AMID — Allowable Miscellaneous Itemized Deductions
LOS — Length of Stay
GSI — general salary increase
CIT — Corporate Income Tax
LFY — Last Fiscal Year
BCC — Blind Copied
RO/RL — Rool on/roll off
LLLP — Limited Liability Limited Partnership

LEPO — Low Exercise Price Option
WTO — World Tourism Organization
LTA — Long-Term Agreement
CGQ — Corporate Governance Quotient
PRP — Preferred Risk Policy
MACRS — Modified Accelerated Cost Recovery System (IRS)
NCA — National Cemetery Administration
AO — Authorizing Official
ASEAN — Association of South East Asian Nations
UNA — United Nations Association
OJT — On-The-Job-Training
LPA — Licensed Public Accountant
BRI — Basic Rate Interface
FTD — Federal Tax Deposit
OSHA — Occupational Safety and Health Act (1970)
COD — Cancellation of Debt
NIH — NATIONAL INSTITUTE OF HEALTH
PRC — Peer Review Committee
IRDA — Insurance Regulatory Development Authority
PTO — Paid Time Off
PDA — Payday Advance Loan
PDA — Pregnancy Discrimination Act
CA — Confidentiality Agreement
APV — Adjusted Present Value
SDB — Small Disadvantaged Business
CPR — Cardio-Pulmonary Resuscitation
EPZ — Export Processing Zone
ART — Annual Renewable Term (life insurance)
GIF — Graphic Interchange Format
SBC — Southwestern Bell Corporation
TAN — Tax Anticipation Note
LOR — Letter Of Response
CPG — Consumer Packaged Goods
SBLI — Savings Bank Life Insurance
DB — Defined Benefit (retirement Plan; For Example, A Pension)
BLM — Bureau of Land Management of United States Department of the Interior
EOM — End Of Month
IDA — International Development Association
UNZAP — United Nations Zambia Assistance Programme
RAP — Regulatory Accounting Principles
ROOA — Return on Operating Assets
DOH — Days inventory On Hand
NTIS — National Technical Information Service Technology Administration
ST — Short-Term
BRIC — Brazil, Russia, India and China
EXP — Export
UNCIP — United Nations Commission for India and Pakistan
CIX — Commercial Internet Exchange
A/R — Accounts Receivable
AAA — authentication, authorization, and accounting

B&O — Business and Occupation
QMCSO — Qualified Medical Child Support Order
UGMA — Uniform Gifts to Minors Act (largely replaced by UTMA)
PSA — Public Service Announcement (radio/TV Term)
EPI — Expanded Programme on Immunization
CCP — Certified Compensation Professional
CICA — Competition in Contracting Act (1984)
TAM — Technical Advice Memorandum
FAK — Freight all kinds
GAO — Government Accountability Office [formerly the General Accounting Office]
WIPO — World Intellectual Property Organization
PTP — Publicly Traded Partnership
ECA — Economic Commission for Africa
IASC — Inter-Agency Standing Committee
CSA — Cost Sharing Arrangement
F2F — Face-to-Face Meeting
MLR — Medical Loss Ratio
NOI — Net Operating Income
CAI — Computer Assisted Instruction
PHR — Professional in Human Resources Certification
GL — General Liability
HDML — Handheld Device Markup Language
AMTI — Alternative Minimum Taxable Income
ABA — Accredited Business Accountant
GPO — Government Printing Office
CTV — Capital Timber Value
MOM — Message Oriented Middleware
DPP — Deferred Payment Plan
ASAE — American Society of Association Executives
FICA — Federal Insurance Contribution Act
NAVPS — Net Asset Value Per Share
FRB — Federal Reserve Board
AOQL — Average Outgoing Quality Level
PM — Project Manager
IPCS — International Programme on Chemical Safety
PW — present worth
CHRO — Chief Human Resource Officer
MER — Management Expense Ratio
RE — Residual Earnings
WRA — Weighted Risk Assets
CODASYL — Committee on Data Systems Languages
KSAO — Knowledge, Skills, Abilities and Other
CASE — computer-automated software engineering
MVIC — Market Value of Invested Capital
SMA — Simple Moving Average
LWO — Leave without pay
CSHO — Compliance Safety and Health Officer
BOT — Balance of Trade
ESCAP — Economic and Social Commission for Asia and the Pacific (UN)
UNAMIC — United Nations Advance Mission In Cambodia

DFAS — Defense Financial Accounting Service
RTW — Return To Work
ESI — Electronically Stored Information
NFIP — National Flood Insurance Program
BSM — Black-Scholes-Merton
ATP — Accredited Tax Preparer
ALEX — AUTOMATED LABOR EXCHANGE
CPIC — Capital Planning and Investment Control
UPU — Universal Postal Union
UIC — Unemployment Insurance Commission (Canada, archaic)
IANA — Internet Assigned Numbers Authority
BCP — Business Continuity Plan
OASDHI — Old Age, Survivors, Disability and Health Insurance Act
DUNS — Data Universal Numbering System
CBOT — Chicago Board of Trade
MLM — Multi-Level Marketing
GOV — Government Owned Vehicle
POQ — Periodic Order Quantity
SEC — Securities and Exchange Commission (US)
PEO — Professional Employer Organization
ROW — Right-Of-Way
CRM — Client Relationship Management
CORBA — Common Object Request Broker Architecture
MSA — Merit Salary Adjustment
DIO — Days Inventory Outstanding
APR — Annual Percentage Rate
LTD — Limited
A/P — Accounts Payable
WRKSHP — Workshop
CUPA — College and University Personnel Association
EA — Enrolled Agent
VIE — Variable Interest Entity
JPEG — Joint Photographic Experts Group (24-bit image storage format)
OL — Operating Liabilities
ROFR — Right of First Refusal (finance)
ADEA — Age Discrimination in Employment Act's
RR — Revenue Ruling
DTI — Department of Trade and Industry (UK)
DIP — Debtor In Possession
LAR — Legislative Appropriations Request
DPA — Department of Political Affairs
GA — General Agent
DOC — Doctor
DOL — Degree of Operating Leverage
B.A. — Bachelor of Arts
NCUSIF — National Credit Union Share Insurance Fund
HHS — Health and Human Services Department
BAT — Business Activity Tax
DM — Direct Mail
FFIEC — Federal Financial Institutions Examination Council

CSF — Critical Success Factor
POP — Public Offering Price
CMA — Certified Management Accountant
LC — Limited Company
NCOA — National Change Of Address
CROGI — Cash Return on Gross Investment
FMLA — Family and Medical Leave Act
WMO — World Meteorological Organization (ICSU)
FRS — Federal Reserve System
CK — Calvin Klein
ASU — Accounting Standards Update
VA — Veterans Administration
CAD — Cash Available for Distribution
SOS — Sound On Sound
SCORE — Service Corps Of Retired Executives
BIS — Bank of International Settlements
ERS — Economic Research Service
PLR — Private Letter Ruling
WTO — World Trade Organisation
DRP — Disaster Recovery Plan
WHA — World Health Assembly
AGC — Associated General Contractors of America
CAE — Certified Association Executive
EOI — Evidence of Insurability
RIA — Registered Investment Advisor
RISC — Reduced Instruction Set Computer
CC — Civil Code
SOA — Service-Oriented Architecture
ALJ — Administrative Law Judge
ECOSOC — Economic and Social Council of the United Nations
SB — Senate Bill
SBAP — Small Business Assistance Program
T&C — Terms & Conditions
PILOT — Payment In Lieu Of Taxes
IBNR — Incurred But Not Reported
CEU — Continuing Education Unit
FITW — Federal Income Tax Withholding
MLD — Market-linked deposit
ACC — Administrative Committee on Coordination
TVM — Time Value of Money
PIK — Payment in Kind
BDC — Business Development Center
DFL — Degree of Financial Leverage
EOI — Expression Of Interest
SSA — Social Security Administration
ILIT — Irrevocable Life Insurance Trust
ACP — Average Contribution Percentage
IFAD — International Fund for Agricultural Development (UN)
SEO — Search Engine Optimizer
TPD — Temporary Partial Disability

CAFR — Comprehensive Annual Financial Report
REC — Renewable Energy Certificate
MLR — Monthly Labor Review
INSARAG — International Search and Rescue Advisory Group
TTD — Temporary Total Disability
FCF — Free Cash Flow
AFTP — Anonymous File Transfer Protocol
NOW — Negotiable Order of Withdrawal
PCI — Per Capita Income
ICJ — International Court of Justice
ISO — Incentive Stock Option
MUPLA — Model Uniform Products Liability Act
IPTF — International Police Task Force
REI — Recreational Equipment, Inc.
GICS — Global Industry Classification Standards
EEPROM — Electric Erasable Programmable Read Only Memory
FASB — Financial Accounting Standards Board
ECB — European Central Bank
ATOI — After Tax Operating Income
COI — Conflict Of Interest
GE — General Electric American Communications Inc.
GPM — Graduated Payment Mortgage
SOL — Statute of Limitations
WT — Warrant
FSI — Free Standing Insert
D&F — Determination & Finding
ASTD — American Society for Training and Development
SIPC — Securities Investor Protection Corporation
FSS — Federal Supply Schedule
PDQ — Position Description Questionnaire
FRV — Fair Rental Value
POS — Point of Service Plan
CSO — Central Statistical Organisation
ATR — Americans for Tax Reform
LT — Lead Time
EISA — Extended Industry Standard Architecture
DBMS — Data Base Management System
TPL — Third-Party Liability
NL — No-Load
MANOVA — Multivariate Analysis of Variance
LSE — London Stock Exchange
TEV — Total Enterprise Value
FFO — Funds from operations
CBIT — Comprehensive Business Income Tax
FHA — Federal Housing Administration
CNF — Cost, not freight
EIS — Environmental Impact Statement (US)
SOP — Statement Of Position
ESO — Employee Stock Option
GAAP — Generally Accepted Accounting Principles

ADC — Acquisition, Development, and Construction
CFE — Certified Financial Examiner
MLP — Master Limited Partnership
MIME — Multipurpose Internet Mail Extension
AACU — American Association of Colleges and Universities
BOT — Board of Trustees
STP — Software Test Plan
LOB — Line-Of-Balance
AEI — American Enterprise Institute
ILAB — Bureau of International Labor Affairs
AD & D — Accidental Death and Dismemberment
GST — Goods and Services Taxation
OIOS — Office of Internal Oversight Services
DOI — Date of Injury
CFC — Chartered Financial Consultant
KYC — Know-your-customer
ISO — Independent Sales Organization
OCF — Operating Cash Flow
BBB — Better Business Bureau's
SC — Securities Commission
IME — Independent Medical Examination
CERD — Committee on the Elimination of Racial Discrimination
SUTA — State Unemployment Tax Act
LCA — Labor Condition Application
CIF — Cost, Insurance, and Freight (Paid) (shipping)
CDI — Category Development Index
CUM DIV — Cumulative dividend
FHLB — Federal Home Loan Bank
FUTA — Federal Unemployment Tax Act
ATB — Accountants Trial Balance
7S — Strategy, Structure, Systems, Style, Staff, Skills, Shared values
RIC — Regulated Investment Company
TIP — Transportation Improvement Program
ADJ — Adjust
WIP — Work In Progress (process)
ECM — Excess cash margin
BRE — Business Reply Envelope
NAR — National Association of Realtors
DPI — Department of Public Information
CFAT — Cash Flow After Taxes
ICQ — Internal Control Questionnaire
SEPA — Single Euro Payments Area
ECP — Engineering Change Proposals
SNF — Skilled Nursing Facility
DRO — Domestic Relations Order
MOF — Ministry Of Finance
MRO — Maintenance, repair, and overhaul
REV. PROC. — Revenue Procedure
BDI — Brand Development Index
SNE — Salaried Non-Exempt

EGM — Extraordinary General Meeting
SE — Self Employed
ITIL — Information Technology Infrastructure Library
IIA — Institute of Internal Auditors
HFA — Housing Finance Agency
BID — Business Improvement District
DCAP — Dependent Care Assistance Program
DAGMAR — Defining Advertising Goals for Measured Advertising Results
AL — Assisted Living
ROP — Run of Press
OTS — Office of Thrift Supervision
OASDI — Old Age and Survivors Disability Insurance
AMTFTC — Alternative minimum tax foreign tax credit
WAP — Wireless Application Protocol
EMS — Eastern Mountain Sports
NAICS — North American Industry Classification System
ABF — Asset-Based Financing
ECI — Employment Cost Index
AIDA — Attention, Interest, Desire, Action
L/C — Letter of Credit
CPO — Chief of Purchasing Office
PLM — Product Lifecycle Management
RRSP — Registered Retirement Savings Plan (Canada; Roughly Equivalent To The IRA In The U.S.)
FHLMC — Federal Home Loan Mortgage Corporation, United States
NSA — Not Seasonally Adjusted
UL — Universal Life
EOU — Export Oriented Unit
CESA — Coverdell education savings account
A&S — Accident and sickness insurance
FCFE — Free Cash Flow to Equity
NAFTA — North American Free Trade Agreement
ICANN — Internet Corporation for Assigned Names and Numbers
SS — Social Security
UNHCR — United Nations High Commissioner for Refugees Program
IRA — Individual Retirement Arrangement
CNS — Continuous Net Settlement
AFR — Applicable Federal Rate
SAT — Scholastic Aptitude Test
AIA — American Institute of Architecture
REV. RUL. — Revenue Ruling
FWT — Federal Withholding Tax
FS — Financial Statement
LEC — Local Exchange Carrier
SPE — Special Purpose Entity
ISSA — International Securities Services Association
FERC — Federal Energy Regulatory Commission (U.S.)
NAIC — National Association of Insurance Commissioners
CAM — Common Area Maintenance (charges related to commercial leases)
FMV — Fair Market Value
SMA — Separately Managed Account

IBC — Independent Breweries Company (original manufacturer of IBC Root Beer)
MOH — Music On Hold
CFP — Certified Financial PlannerTM
SEP — Simplified Employee Pension
CFIUS — Committee on Foreign Investment in United States
SA — Seasonally Adjusted
AAG — Audit and accounting guides
C&D — Cease and Desist
CBA — Controlled Business Arrangement
DW — Dislocated Worker
PE — Price-earnings ratio
ROS — Run Of Schedule
LYON — Liquid Yield Option Note
UNCED — United Nations Conference on Environment and Development
AJB — America’s Job Bank
CIMC — Certified Investment Management Consultant
CIC — Consumer Information Center
MAS — Multiple-Award Schedule
UNMISET — United Nations Mission of Support in East Timor
FACCT — Foundation for Accountability
BRC — Business Reply Card
B&P — Bid & Proposal
ISA — International Seabed Authority
CMBS — Commercial mortgage-backed securities
RBM — Roll Back Malaria
POP — Premium Only Plan
TAMRA — Technical and Miscellaneous Revenue Act of 1988
FSLIC — Federal Savings & Loan Insurance Corporation
ELP — Electing large partnership
VDT — Video Display Terminal
UCI — Unemployment Compensation Insurance
MLP — Minimum lease payments
IBR — Income-based repayment
DTL — Deferred Tax Liability
CGMA — Chartered Global Management Accountant
CLU — Chartered Life Underwriter
D&O — Directors and Officers Liability
FCB — Foote Cone & Belding
AMPS — Auction Market Preferred Stock
NASDAQ — National Association for Security Dealers and Automatic Quotation
ECP — Emergency Conservation Program
GOOS — Global Ocean Observing System (IOC, UNESCO, WMO, and ICSU)
ADR — Asset Depreciation Range (finance)
BAT — Business Action Theory
SSI — Supplemental Security Income
ACASTD — Advisory Committee on the Application of Science and Technology to Development
PERL — Practical Extraction and Report Language
GIM — Gross Income Multiplier
MBDA — Minority Business Development Agency
CGA — Charitable Gift Annuity

ECF — Extended Care Facility
AAAA — American Association of Advertising Agencies
ATA — Accredited Tax Advisor
CODA — Cash or Deferred Arrangement (401K)
EBRI — Employee Benefit Research Institute
ECE — Economische Commissie voor Europa (United Nations) (Dutch: Economic Commission for Europe)
ADEA — Age Discrimination and Employment Act
DAC — Delivery Against Cost
LINTAS — Levers International Advertising Services
BPC — Business Planning Cycle
A/E — Architect/Engineer
CPA — Comprehensive Plan of Action
A/E — Accured expense
INC. — Incorporated
DBT — Days Beyond Terms
URO — Utilization Review Organization
IAP — Initial advance payment
VAT — Value-added taxes
AA — Adverse Action
UTMA — Uniform Transfers to Minors Act
SLS — Sales
F&F — Furniture & Fixtures
MPEG — Moving Picture Experts Group (International Standards Organisation/International Electrotechnical Commission)
AR — Accounts Receivable
AFP — Association for Financial Professionals
NCSA — National Center for Supercomputing Applications
PGI — Potential Gross Income
FSLMRA — Federal Service Labor-Management Relations Act
LF — Labor Force
ASCI — Advertising & Standards Council of India
SSB — Securities Supervisory Board
AIME — Average Index Monthly Earnings
NQDC — Nonqualified deferred compensation
ETN — Exchange Traded Note
NMS — Normal Market Size
TSR — Terminate and Stay Resident [software program]
CCL — Center for Creative Leadership
PTE — Pass-Through Entity
QSF — Qualified Settlement Fund
ALC — Alien Labor Certification
CPSC — Consumer Products Safety Commission
PITI — Principal, Interest, Taxes, and Insurance
NAAS — Network as a Service
NMFC — National Motor Freight Classification
COST — Council on State Taxation
T&D — Training and Development
PSI — Performance Salary Increase
OER — Operation Expense Ratio
CMMI — Capability Maturity Model Integrated
PAAS — Platform-as-a-Service

SFH — Single Family Home
EIC — Earned Income Credit
TDB — Temporary Disability Benefits
B2C — Business to Consumer
MRD — Minimum Required Distribution
AX — Armani Exchange
PCAOB — Public Company Accounting Oversight Board
ROA — Return on assets
UNHCHR — United Nations High Commissioner for Human Rights
CGT — Capital Gains Tax
CEPS — Cash Earnings Per Share
TIC — Tenant In Common
CLAT — Charitable Lead Annuity Trust
DSPP — Direct Stock Purchase Plan
LCM — Lower of Cost or Market
DAPT — Domestic Asset Protection Trust
YRT — Yearly Renewable Term
UNCTAD — United Nations Conference on Trade and Development
PSC — Personal Service Corporation
CMYK — Cyan, Magenta, Yellow, Black
LTL — Less Than Truckload Lot
SERP — Supplemental Executive Retirement Plan
DESIPA — Department for Economic and Social Information and Policy Analysis
MLS — Mass Layoff Statistics
SCA — Service Contract Act
EBO — Employee Buyout
SAR — Summary Annual Report
MTC — Multistate Tax Commission
ITBAT — IT Budget Analysis Team
IMRB — Indian Market Research Bureau
BRD — Business Requirements Documentation
BBDO — Batten, Barton, Durstine & Osborn
MTL — Multi-Level Marketing
HDAPT — Hybrid domestic asset protection trust
CC — Capital Contribution
TRA — Tax Reform Act
SEA — Securities Exchange Act
UCR — Usual, Customary and Reasonable Fees
TSR — Tactical Studies Rules
NRF — National Retail Federation
LDI — Liability Driven Investment
ECOMOG — Economic Community of West African States' Monitoring Observer Group
EBSA — Employee Benefits Security Administration
PPE — Property, Plant and Equipment
AE — Actual Expense
GPO — Guaranteed Purchase Option
PR — Public Relations
REG. — Regulation
MST — Marketable Securities Tax
CISSP — Certified Information Systems Security Professional

SAAR — Seasonally Adjusted Annual Rate
RCN — Replacement Cost New
UPE — Unreimbursed Partnership Expenses
HFS — Hold for sale
ABV — Accredited in Business Valuation
SPAC — Special-purpose acquisition company
CDFI — Community Development Financial Institution
OSG — Office of the Secretary-General
ATO — Administrative Time Off
CFS — Container Freight Station
DRTV — Direct Response Television
XBRL — Extensible Business Reporting Language
NSA — National Society of Accountants
MCI — Microwave Communications Incorporated
VOPAN — Voice Pitch Analysis
AAPC — Accounting and Auditing Policy Committee
ESA — Coverdell education savings account
HDR — Humanitarian Daily Ration
MTTR — Mean Time To Recovery
CRC — Committee on the Rights of the Child
SESA — State Employment Security Agency
FRA — Full Retirement Age
HSBC — Household Bank Corporation
EGI — Effective Gross Income
DPO — Days payables outstanding
SEM — Shared-Equity Mortgage
NAAEC — North American Agreement on Environmental Cooperation
CEBS — Certified Employee Benefits Specialist
RSI — Relative Strength Indicator
NOL — Net Operating Loss
JOLTS — Job Openings and Labor Turnover Survey
USG — Under Secretary General
IFC — International Finance Corporation
NDNH — National Directory of New Hires
TCBY — The Country's Best Yogurt
S&P — Standard & Poor's
RAN — Revenue Anticipation Note
EA — Electronic Arts Inc (NASDAQ Stock Exchange [NASDAQ])
WHD — World Habitat Day
DBO — Death Benefit Only
SIV — Structured Investment Vehicle
WTW — Welfare-to-Work
SDI — State Disability Insurance
CFTC — Commodity Futures Trading Commission
NSX — National Stock Exchange
FICCI — Federation of Indian Chamber of Commerce and Industry
DCPP — Defined Contribution Pension Plan
PTA — Preferential Trade Arrangement
FPML — Financial Products Markup Language
HECM — Home Equity Conversion Mortgage

PBGC — Pension Benefit Guaranty Corporation
AWW — average weekly wage
EAR — Export Administration Regulations
ISO — International Standard Organisation
HRM — Human Resource Management
BONUCA — United Nations Peace-Building Office in the Central African Republic
ECOWAS — Economic Community of West African States
EFW — Electronic Funds Withdrawal
HC — human capital
CRAFT — Computerised Relative Allocation of Facilities Techniques
EIA — Equity Indexed Annuity
PIC — Prior Informed Consent
CPLTD — Current portion of long-term debt
ITARS — IT Acquisition Request System
HUDCO — Housing and Urban Development Corporation Limited
MSI — Multiple Streams of Income
DUA — Disaster Unemployment Assistance
FVO — Fair Value Option
FNMA — Federal National Mortgage Association
SB/SDB — Small Business/Small Disadvantaged Business
NRE — Net realizable equity
CEA — Chief Enterprise Architect
OB — Office of Budget
OIBITDA — Operating Income Before Interest, Taxes, Depreciation and Amortization
LAIA — Latin American Integration Association
PVFC — Prepaid variable forward contract
FSA — Farm Service Agency
SWOT — Strengths, Weaknesses, Opportunities and Threats
NIOSH — National Institute of Occupational Safety and Health's
ASG — Assistant Secretary General
AA — Author Alteration
PUD — Planned Unit Development
BTT — Business Transfer Tax
GNMA — Government National Mortgage Association
FP — Fixed Price
W/C — Working Capital
UNICRI — United Nations Interregional Crime and Justice Research Institute
BIA — Business Impact Analysis
ALBM — Automated Lending and Borrowing Mechanism
FIE — Foreign-Invested Enterprise
NPT — Non-Proliferation Treaty
CUSIP — The Committee Of Uniform Security Identification Procedures
CVLI — Cash Value Life Insurance
AFICS — Association of Former International Civil Servants
NLRA — National Labor Relations Act
NSF — Not Sufficient Funds
IBEW — International Brotherhood of Electrical Workers
DOLETA — Department of Labor Employment and Training Administration
DCAA — (U.S.) Defense Contract Audit Agency
MRQ — Most Recent Quarter

ROC — Rate of Change
C-TPAT — Customs-Trade Industry Against Terrorism
EITC — Earned Income Tax Credit
RSA — Rivest-Shamir-Adleman
ACV — Account Current Value
ECOA — Equal Credit Opportunity Act
AFTS — Automatic Funds Transfer Services
ADS — Alternative Depreciation System
ECOA — E-Mail Change of Address
PING — Pocket Internet Gopher
AGT — Agent
WRLDWD — Worldwide
VA — Variable Annuity
SIB — Securities and Investment Board
MRPS — Mandatorily redeemable preferred stock
RTN — Routing Transit Number
HCM — Human Capital Management
BPM — Business Performance Management
UNDOF — United Nations Disengagement Observer Force
DINKS — Dual Income, No Kids
UNCITRAL — United Nations Commission On International Trade Law
ESA — Employment Standards Administration
QAI — Quality Assurance International
BTCF — Before Tax Cash Flow
DHL — Dag Hammarskjöld Library
NVI — Negative Volume Index
ESS — Employee Self-Service System
SIAP — Statistical Institute for Asia and the Pacific
CEMP — Comprehensive Emergency Management Program
ECU — Emergency Coordination Unit
DVA — Debt value adjustment
VA — Veterans Affairs
CCI — Consumer Confidence Index
UNISPAL — United Nations Information System on the question of Palestine
UNOVER — United Nations Observer Mission to Verify the Referendum in Eritrea
OC — Opportunity Cost
SSD — Social Security Disability
PHI — Protected Health Information
UNFCCC — United Nations Framework Convention on Climate Change
ESOT — employee stock ownership trust
IDA — Industrial Development Authority
PCCM — Percentage-of-completion/capitalized cost method
SDD — Software Design and Development
JEC — Joint Economic Committee
HC — Humanitarian Coordinator
COHRS — Central Office Human Resources Service
ACP — Actual deferral percentage
CSV — Cash Surrender Value
BOC — Budget Object Code
ABCP — Asset Backed Commerical Paper

BCFD — Billion Cubic Feet per Day
PCFRC — Private Company Financial Reporting Committee
ERM — Enterprise Risk Management
TRUPS — Trust Preferred Securities
HCO — Health Care Organization
UNGOMAP — United Nations Good Offices Mission In Afghanistan and Pakistan
DMFAS — Debt Management and Financial Analysis System
SOC — Standard Occupational Classification
VHA — Veterans Health Administration's
MCC — Mortgage Credit Certificate
CEDAW — Committee on the Elimination of Discrimination against Women
SIFMA — Securities Industry and Financial Markets Association
ROA — Regional Office for Africa
ALV — Average Lease Value (Cars)
DIC — Document Identifier Code
ZEN — Zero Effort Network
EPCM — Exempt-contract, percentage-of-completion method
HPI — Human Poverty Index
RI — Royalty Interest
FMCS — Federal Mediation and Conciliation Service
CSE — Customer Service Environment
CETA — Comprehensive Employment and Training Act of 1975
FEIN — Federal Employment Identification Number
PIA — Primary Insurance Amount
PWC — Public Works Commission
STAR — Satellite Television Asian Region, Ltd.
C&I — Commercial and industrial customers (Electricity transmission)
ROU — Right of Use
LTC — Long-Term Care
OM — Options Market
OCC — Office of the Comptroller of the Currency
LOS — Law Of The Sea
BOA — Basic Ordering Agreement
OHCHR — Office of the United Nations High Commissioner for Human Rights
DFEH — Department of Fair Employment and Housing's
NNTP — Network News Transport Protocol (ATM)
RFPA — Right to Financial Privacy Act of 1978
MLA — Minimum Liquid Assets
CSO — Chief Security Officer
ERTA — Economic Recovery Tax Act
BPD — barrels per day
IASB — International Accounting Standards Board
FIA — Federal Insurance Administration
PAR — Public Accounting Report
UNPD — United Nations Population Division
NASBA — National Association of State Boards of Accountancy
VEBA — Voluntary Employees' Beneficiary Association
ITMP — Information Technology Management Program
BOI — Business Object Interface
IAM — Identity and Access Management

NNN — Net Net Net
CB — Carryback
CEA — Commodity Exchange Authority
EPPA — Employee Polygraph Protection Act
MOTO — Mail order-telephone order
TWA — Time Weighted Averages
TRASOP — Tax Reduction Act ESOP
LT — Long Terme
APB — Accounting Principles Board's
SBA — Small Business Administrations
CBL — Common Business Language
NSA — National Safety Associates
UNCC — United Nations Compensation Commission
VSOE — Vendor-Specific Objective Evidence
SSVS — Statement on Standards for Valuation Services
SRA — Supplemental Retirement Annuity
BHC — Bank Holding Company
GTL — Group Term Life Insurance.
TEFRA — Tax Equity and Fiscal Responsibility Act of 1985
ASF — American Securitization Forum
NCUA — National Credit Union Administration
AFN — Additional Funds Needed
NPA — Non-Performing Assets
NCCI — National Council on Compensation Insurance
SHRM — Society for Human Resource Management's
CHB — Custom House Broker
WFC — World Food Council
REA — Return on assets
WPI — Wholesale Price Index
IPA — Inflation Protected Annuity
FEA — Fair Employment Act
EAPA — Employee Assistance Professionals Association, Inc
ARS — Auction Rate Securities
FMR — Fair Market Rental
OCHA — Office for the Coordination of Humanitarian Affairs
TBC — To Be Contested
ILO — International Labor Organization (UN)
USF — Usable Square Feet
GAAC — Government Accounting and Auditing Committee
ACABQ — Advisory Committee on Administrative and Budgetary Questions
RFA — Regulatory Flexibility Act (US)
ESOP — Employee Stock Option Plan
QPRT — Qualified Personal Residence Trust
UNCT — United Nations Country Team
TCOE — Total Cost of Equity
HRIS — Human Resource Information System
EMP — Environmental Planning and Management
ICPD — International Conference on Population and Development
SLOB — Separate Line of Business
CIA — Certified Internal Auditor (US)

TPA — Third Party Administrator
HRD — Human Resource Development
CEBS — Certified Employee Benefit Specialist
CLUT — Charitable Lead Unitrust
UNAMSIL — United Nations Mission In Sierra Leone
ESL — English as a second language
WCEFA — World Conference on Education for All
WAI — Wealth Added Index
DII — Days in Inventory
CICP — Centre for International Crime Prevention
FOM — Field Operations Manual
EVM — Earned Value Management
GAO — Government Accounting Office
MSP — Managed Service Provider
UNCCD — United Nations Convention to Combat Desertification
BPM — business process management
AAGR — Annual average growth rate
SMSA — Standard Metropolitan Statistical Area
ROAE — Return on Assets Employed
BOP — businessowners policy
DOM — Distributed Order Management
DAN — Depositor Account Number
PAM — Pledged Account Mortgage
UNCIVPOL — United Nations Civilian Police
ASPPA — American Society of Pension Professionals & Actuaries
SPD — Summary Plan Description
OASDHI — Old Age, Survivors, Disability, and Health Insurance
C2C — Customer to Customer
UTLZTN — Utilization
VUL — Variable Universal Life
CS — Cost-Sharing
ABMS — Activities Based Management System
VAO — Virtual Acquisition Office
ECM — Enterprise Content Management
GAAS — Generally Accepted Auditing Standards. Perhaps only marginally less contradictory than GAAP, but they do exist, honestly.
YOY — Year-over-year
CI — Contract Item
IOS — International Organization for Standards
LTI — Long-term incentive
STTR — Small Business Technology Transfer
ZBB — Zero-based budgeting
DWC — Days working capital
TSP — Thrift Savings Plan
0DSAC — 90 days, same as cash
UNSCEAR — United Nations Scientific Committee on the Effects of Atomic Radiations
TESSA — Tax-Exempt Special Savings Account
CFC — Court of Federal Claims
CRUT — Charitable Remainder Unitrust
ADI — Area of Dominant Influence
PBT — Profit Before Tax

ICTY — International Criminal Tribunal for the Former Yugoslavia
RIM — Retail Inventory Method
MSB — Money Service Businesses
CAT — Commercial Activity Tax
TA — Technology Assessment
UNIIMOG — United Nations Iran-Iraq Military Observer Group
FCCPA — Federal Consumer Credit Protection Act of 1968
GIC — Guaranteed Investment Contract
UNCDF — United Nations Capital Development Fund
EDGAR — Electronic Data Gathering, Analysis and Retrieval
DAF — Donor Advised Fund
MP3 — Moving Pictures Experts Group 1 Audio Layer 3
EAC — Employee Advisory Committee
DOT — Dictionary of Occupational Titles
SARSEP — Salary Reduction Simplified Employee Pension Plan
AFC — Average fixed costs
VSOP — Very Special Old Pale
UNCHS — United Nations Centre for Human Settlements
CAPS — Convertible Adjustable Preferred Stock
UDITPA — Uniform Division of Income for Tax Purposes Act
MBS — mortgage backed security
CPFFC — Cost-plus-fixed-fee contract
GEF — Global Environmental Facility (environment)
CFA — Committee on Food Aid Policies and Programmes
ACFE — Advisory Committee on Forestry Education
COL — Cost Of Living
FSR — Financial Strength Rating
NABA — National Association of Black Accountants, Inc.
QBU — Qualified Business Unit
PERAB — President's Economic Recovery Advisory Board
CPDO — Constant Proportion Debt Obligation
ICDC — International Child Development Centre
CEC — Continuing Education Center
IASC — International Accounting Standards Committee
BRICS — Brazil, Russia, India, China and South Africa
GCOS — Global Climate Observing System (WMO, IOC, UNEP, and ICSU)
COSO — Committee of Sponsoring Organizations
UNCCP — United Nations Conciliation Commission for Palestine
FECA — Federal Employer’s Compensation Act
FACT — Fair and Accurate Credit Transactions Act of 2003
FACHE — Fellow in American College of Healthcare Executives
NACUBO — National Association of College & University Business Organizations
GLA — Gross Leaseable Area
PEG — Price to Earnings Growth
OLA — Office of Legal Affairs
UNVFVT — United Nations Voluntary Fund for Victims of Torture
HP — Hewlett Packard's
ICM — Incentive Compensation Management
CPE — Continuing Professional Educational
ALTA — American Land Title Transfer

DDSN — Demand-driven supply networks
CNC — Currently Not Collectible
INA — Immigration and Naturalization Act
ECAB — Employee's Compensation Appeals Board
INSTRAW — International Research and Training Institute for the Advancement of Women
CFOC — Chief Financial Officers Council
BAT — Budget Advisory Team
VOCC — Vessel Operating Common Carriers
ATU — Annual Tax Unit
PTAC — Procurement Technical Assistance Center
AMC — Appraisal Management Companies
CMSA — Consolidated Metropolitan Statistical Area
FCA — Farm Credit Administration
QME — Qualified Medical Examiner
CEA — Certificate of Educational Achievement
CGL — Comprehensive General Liability
EPROM — Electrically Programmable Read Only Memory
TTL — Total Linhas Aéreas
CE — Continuing Education
UNOCHA — United Nations Office for the Coordination of Humanitarian Affairs
OOH — Occupational Outlook Handbook
CPP — Consumer Preferences and Policy
QJSA — Qualified Joint and Survivor Annuity
LEO — Long-term Equity Options
CAA — Congressional Accountability Act
MUD — Multiple User Dungeon
HRMS — Human Resource Management System
MBE — Mortgage banking enterprise
COCA — Cost of capital allowance
COFI — Cost of Funds Index
ABC — Audit Bureau of Circulations Inc.
UNITAR — United Nations Institute for Training and Research
WI — Working Interest
ICC — International Chamber of Commerce
GMIB — Guaranteed Minimum Income Benefit
ICGFI — International Consultative Group on Food Irradiation
IMR — Information Management Research
ICSAB — International Civil Service Advisory Board
IAS — International Accounting Standards
NRI — Net Rising Index
RTW — Right to Work
OI&T — Office of Information and Technology
CRM — Credit Risk Management
ACW — African Centre for Women
DUS — Dollar Unit Sampling
ITSM — Information Technology Service Management
SMM — Summary of material modifications
UC — Unemployment Compensation
BML — Bean Markup Language
PIM — Product Information Management

PA — Public Accountant
(X) — Export
ROC — Return on Capital
NDA — Nondisclosure Agreement
HCA — head of contracting activity; humanitarian and civic assistance
SITC — Standard International Trade Classification
BSNL — Bharath Sanchar Nigam Limited
SS — Safety Stock
YAHOO — You Are Hazy Over Oranges
WIDER — United Nations University World Institute for Development Economics Research
ERM — Enterprise Resource Management
SSUTA — Streamlined Sales and Use Tax Agreement
BCS — Business Case Study
UNCSW — United Nations Commission on the Status of Women
3COM — Computer, Communications and Compatibility
NRMLA — National Reverse Mortgage Lenders Association
JTPA — Job Training Partnership Act
ITMRA — Information Technology Management Reform Act (Part of the Clinger-Cohen Act)
CHL — Customs house license
RJP — Realistic Job Preview
DCAP — Dependent Care Assistance Plan
SMLLC — Single Member Limited Liability Company
FCCC — For the Framework Convention on Climate Change
ITOC — Information Technology Oversight & Compliance
OR — Operations research
DUSB — Deputy Undersecretary for Benefits
ILC — International Law Commission
IPS — Inflation Protected Security
OOB — OOS out of business
OD — Organizational Development
CSCS — Computer Software Components
OP — Order Point
QR — Quality Review
TAB — Tax Anticipation Bill
EDI — Electronic Date Interchange
TIF — Tax Increment Financing
DFI — Derivative Financial Instrument
FAME — Facilities Maintenance Engineering
ABLOS — Advisory Board on the Law of the Sea
EDP — Employee Development Plan
ITAM — IT asset management
JPO — Junior Professional Officer
AET — Accumulated Earnings Tax
TOD — Transfer on death
AFE — Average Funds Employed
EMT — Executive Management Team
FMC — Federal Maritime Commission's
FASIT — Financial asset securitization investment trusts
LCL — Less than Carload Lot
IAG — International Auditing Guidelines

ATB — Adjusted Trial Balance
CO — Compliance Officer
MCC — Merchant category codes
CPHR — California Professional in Human Resources Certification
USAA — United Services Automobile Association's
CLA — Cross-Licensing Agreement
ICSC — International Civil Service Commission
HCTC — Health Coverage Tax Credit
UNOMIG — United Nations Observer Mission In Georgia
CCA — Consolidated Contracting Activity
ARR — Average Rate of Return
CCM — Completed Contract Method
TL — Time & Labor
SMI — Supplemental Medical Insurance (US Medicare Part B)
GSR — General Securities Representative
LHWCA — Longshore and Harbor Worker’s Compensation Act
TC — Trusteeship Council (UN)
IUC — Information Unit for Conventions
CCPOQ — Consultative Committee on Programme and Operational Questions
SDVOSB — Service-Disabled Veteran-Owned Small Business
EIC — Earned Income Tax Credit
TSA — Tax-sheltered annuity
BRM — Business Reference Model
ISM — Interactive Studio Management
INS — Immigration & Naturalization Service
CAPP — Cash Account Pension Plan
SCM — Supply Chain Management
SDNP — Sustainable Development Networking Programme
DVOP — Disabled Veterans Outreach Program
ITAC — Information Technology Advisory Committee
LEI — Leading Economic Indicators
DIT — Deposit in Transit
AC — Acceleration Clause
EEOICPA — Energy Employee Occupational Illness Compensation Program Act
LCC — Life Cycle Cost
D&B — Dun & Bradstreet
DMB&B — D'arcy Masius Benton & Bowles
NFFE — Nonfinancial foreign entity
UMB — United Missouri Bank
FWCW — United Nations Fourth World Conference on Women
HRA — Health Reimbursement Account
R&C — Reasonable and Customary
APOC — Administrative Point of Contact
UNTEA — United Nations Temporary Executive Authority
AATF — Airport and Airway Trust Fund
VXML — Voice eXtensible Markup Language
REMIC — Real Estate Mortgage Investment Conduit
CPP — Cost Per rating Point
CSD — Commission for Social Development
SSBIC — Specialized Small Business Investment Company

LOC — Letter of Comment
HAFA — Home Affordable Foreclosure Alternative program
OCP — Overland Common Point
ECR — Executive Conference Room
UNIFIL — United Nations Interim Force In Lebanon
MAGI — Modified Adjusted Gross Income
UNSCOM — United Nations Special Commission for the Elimination of Iraq's Weapons of Mass Destruction
UNDHL — United Nations Dag Hammarskjölds Library
EFTA — European Free Trade Area
LR — Labor Relations
OSSG — Office of the Spokesman for the Secretary-General
B.S. — Bachelor of Science
REA — Retirement Equity Act
QSPE — Qualified special purpose entity
UNEF — United Nations Emergency Force
AIC — Architecture and Infrastructure Committee
UNAFRI — United Nations African Institute for the Prevention of Crime and the Treatment of Offenders
ETC — Estimate To Completion
CEA — Council of Economic Advisors
UAW — United Auto Workers
COP — Conference of the Parties
UNOMUR — United Nations Observer Mission Uganda-Rwanda
ADP — Attention Dial Pulse
PMSA — Primary Metropolitan Statistical Area
FAS — Financial Accounting Standards
KSA — Knowledge, Skills, Abilities
CIK — Central index keys
AML — Adjustable Mortgage Loan
FOK — Fill-or-kill order
IAF — Inflation Adjustment Factor
QWL — Quality of Work Life
UNIPTF — United Nations International Police Task Force
BAA — Business Associate Agreement
UTC — Uniform Trust Code
IRP — Industry Risk Premium
CIPP/G — Certified Information Privacy Professional/Government
BEIT — Business Enterprise Income Tax
CCPA — Consumer Credit Protection Act
NAC — National Acquisition Center
GPHR — Global Professional in Human Resources
F&C — Free and Clear
UNRISD — United Nations Research Institute for Social Development
HRIS — Human Resources Information System
ADP — Applicable Distribution Period
GSTP — Global System of Trade Preferences
STF — Summary Tape File
FLP — Family Limited Partnership
CHFC — Chartered Financial Consultant
WRC — World Radiocommunication Conference
FMRR — Financial Management Rate of Return

CBFA — Committee on Budget, Finance and Administration
HWRP — Hydrology and Water Resources Programme
OFCCP — Office of Federal Contract Compliance Programs
CCH — Commerce Clearing House
SFOR — Stabilization Force
UNDAF — United Nations Development Assistance Framework
GRID — Global Resource Information Database (UNEP)
COLI — Cost of Living Index
BCA — Board of Contract Appeals
DAW — Division for the Advancement of Women
LDW — Last Day Worked
ITS — Intermarket Trading System
A&I — Accident and Indemnity
ZEN — Zero Engine Noise
ADP — Automatic Data Processor
FRS — Functional Requirements Specifications
LEAF — Logistics, Engineering, Acquisition, and Finance
SSDI — Social Security Disability Insurance
DNAMTI — Distributable Net Alternative Minimum Taxable Income
BET — Business entity tax
MTM — Market to Market
VWAP — Value Weighted Average Price
SRSG — Special Representative of the Secretary-General
VWAP — Volume-weighted average price
AFB — American Farm Bureau, Inc.
CPC — Committee for Programme and Coordination
UDR — Unused development rights
NRD — Normal Retirement Date
ESAF — Enhanced Structural Adjustment Facility
WHOL. — Wholesale
FMHA — Farmers Home Administration
CSD — Commission on Sustainable Development's
WARN — Worker Adjustment and Retraining Notification Act of 1988
UNOMIL — United Nations Observer Mission In Liberia
ITSD — Information Technology Services Division
FEI — Financial Executives Institute
UNOHCI — United Nations Office of the Humanitarian Coordinator for Iraq
HRA — Health Reimbursement Arrangement
A/S — Account sales
IRD — Income in respect of a decedent
M&A — Merger & Acquisition
OTB — Off-Track Betting
MMC — Money market certificate of deposit
MTB — Motor transportation broker
DK — Dorling Kindersley
OR — Operating revenue
UNCRD — United Nations Centre for Regional Development
SBRB — Small Business Research Board
SITW — State income tax withholding
IDNDR — International Decade for Natural Disaster Reduction

SSOP — Second Surgical Opinion Program
EMV — Europay, Master Card and Visa
PCE — Personal consumption expenditure; personal consumption expenditure deflator
EECB — Executive E-mail Carpet Bomb
UNJSPF — United Nations Joint Staff Pension Fund
DBPP — Defined Benefit Pension Plan
GTOS — Global Terrestrial Observing System
BDI — Behavioral Description Interview
SFAS — Statements of Financial Accounting Standards
SME — Small- to medium-sized entities
NPL — Nonperforming loan
ILC — Industrial Loan Company
MDIB — Minimum Distribution Incidental Benefit
CODI — Cancellation of Debt Income
DPSP — Deferred Profit Sharing Plan
CBI — Compliance and Business Integrity
PT — Part-Time
ACFR — Advisory Committee on Fishery Research
CFBT — Cash flow before taxes
PTSD — Post Traumatic Stress Syndrome
UNOG — United Nations Office at Geneva
HQS — Housing Quality Standards
CPI-W — Consumer Price Index for Urban Wage Earners and Clerical Workers
ASBL — American Small Business League
CEHIST — Center for Evaluation of Healthcare Information Systems & Technology
WBG — World Bank Group
CCC — Commodity Credit Corporation
TRNSFR — Transfer
IAB — Internet Advertising Bureau
RELP — Real Estate Limited Partnership
SEPED — Social Development and Poverty Elimination Division
ITLO — Information Technology Logistics Office
SSBCI — State Small Business Credit Initiative
WRAEA — Workforce Reinvestment and Adult Education Act
PIPE — Public investment in private equity
WPP — Wire and Plastic Products
OGC — Office of the General Counsel
DTCC — Depository Trust & Clearing Corp
MSRB — Municipal Securities Rulemaking Board
NCCUSL — National Conference of Commissioners on Uniform State Laws
AGFFA — Advisory Group on Financial Flows to Africa
SBC — Summary of Benefits and Coverage
UNDCP — United Nations International Drug Control Programme
FMOC — Federal Open Market Committee
GASB — Governmental Accounting Standards Board
SWT — State witholding tax
ALBCC — Account Level Budget Cost Center
SBD — Small Disadvantaged Business
COPICS — Communication Oriented Production and Information Control System
TAT — Total asset turnover

MTHLY — monthly
FBAR — Foreign Bank & Financial Account
CSVLI — Cash surrender value life insurance
QNEC — Qualified nonelective contributions
URLA — Uniform Residential Loan Application
BPO — Bargain Purchase Option
AUI — Auxiliary Unit Interface
GEENET — Global Environmental Epidemiology Network
OSBDU — Office of Small and Disadvantaged Business Utilization
SAS — Statement of Accounting Standards
SHOP — Small Business Health Options Program
GIST — Graphics and Intelligence based Script Technology
CSA — Capital Support Agreements
USRPHC — U.S. real property hodling corporation
OSDBU — Office of Small and Disadvantaged Business Utilization
GMP — Guaranteed Maximum Price
TOFC — Trailer On Flat Car
ZAW — Zero Administration for Windows
ABS — Asset Based Securitization
UNV — United Nations Volunteers Programme
UNOGBIS — United Nations Peace-Building Support Office in Guinea-Bissau
E&P — Earnings & Profits
ADAS — Associate Deputy Assistant Secretary
MEWA — Multiple Employer Welfare Arrangement
UNSO — United Nations Sudano-Sahelian Office
SPE — Senior Procurement Executive
CSEMO — Corporate Senior Executive Management Office
NFTC — National Foreign Trade Council, Inc.
CSPN — College Savings Plan Network
HARP — Home Affordable Refinance Program
UNOMSA — United Nations Observer Mission in South Africa
IRMAA — Income Related Medicare Adjustment Amount
FRA — Federal Reserve Act
SSD — Social Security Disability
DTP — Data Transfer Program
P/E — Price-to-earnings ratio
B&N — Barnes and Noble
UNAMIR — United Nations Assistance Mission for Rwanda
ACRB — Architectural Change and Review Board
SOV — Share Of Voice
PFR — Portable Font Resource
WCC — World Climate Conference
PDM — Program Decision Maker
UNIDO — United Nations Industrial Development Organization
BPO — Business Process Optimization
PWBA — Pension and Welfare Benefits Administration
GAW — Global Atmosphere Watch (WMO)
B2C — Business to Citizen
PEP — Personal Exemption Phaseout
ELI — Equity Linked Investments

NSTP — National Society of Tax Professionals
CSR — Corporate Social Responsibilty
PCS — Post-contract customer support
PE — Price to Earnings Ratio
WKLY — Weekly
AIMS — Advertising and Integrated Marketing Solutions
PMV — Private Market Value
SBBA — Sales and Buy-Back Agreement
DGFT — Director General of Foreign Trade
ULPA — Uniform Limited Partnership Act
DEFRA — Deficit Reduction Act
I-9 — I-9 Form
IPMA — International Personnel Management Association
GNC — General Nutrition Centers
ROTC — Reserve Officer Training Corporation
PBA — Pending bank approval
AMCD — Audit and Management Consulting Division
UCR — Usual, customary, and reasonable
DAP — Direct Access Program
LLIC — Limited liability investment company
LTD. — Limited
CSP — Certified Speaking Professional
AGGG — Advisory Group on Greenhouse Gases
OCBOA — Other Comprehensive Basis of Accounting
NRA — Non-Resident Alien
CPCU — Chartered property and casualty underwriter
EDA — Economically Depressed Area
FEP — Fair employment practice
RMBS — Residential mortgage backed securities
BNIB — Business Needs and Investment Board
UNMOT — United Nations Mission of Observers in Tajikistan
QTIP — Qualified Terminable Interest Property
MBA — Masters of Business Administration
IDB — Industrial Development Bond
UNICC — United Nations International Computer Centre
FSA — Flexible Spending Arrangement
FSP — FASB Staff Position
J&S — Joint and Survivorship
FUNSA — Federation of Staff Association of the United Nations and its Specialized Agencies
P&I — Principle and interest payment
MHAEA — Mental Health and Addiction Equity Act
PCE — Private Commercial Enterprise
DRC — Deficit Reduction Contribution
IETC — International Environmental Technology Centre
C&A — Certification & Authority
IHRIM — International Association of Human Resource Information Management
SHD — Sustainable Human Development
ARD — Actual retirement date
ALBRS — Automated Lending and Borrowing in Rolling Settlement
SPHR — Senior Professional Human Resources

USPAP — Uniform Standards of Professional Appraisal Practice
NFIB — National Federation of Independent Business
DSI — Discretionary Salary Increase
MSER — Multi-state Employer Registration
HRLY — Hourly
TPS — Transaction processing services
HRCI — Human Resource Certification Institute
CESCR — Convention on Economic, Social and Cultural Rights
EDA — Economic Development Administration's
DOCO — Development Operations Coordination Office
XML — Extended Markup Language
JCT — Joint Committee on Taxation
QCR — Quarterly Contributions Report
IDS — Income Deposit Securities
MOC — Market On Close
UNTAET — United Nations Transitional Administration in East Timor
INCB — International Narcotics Control Board
UNOMSIL — United Nations Observer Mission in Sierra Leone
EOSG — Executive Office of the Secretary-General
IRB — Internal Revenue Bulletin
TALF — Term Asset-Backed Securities Loan Facility
STD — Short-term disability
CTI — Computer/Telephone Integration
ARB — Accident Review Board
GAAFR — Governmental Accounting, Auditing, and Financial Reporting
VAL. — Value
TVI — Trade Value Index
UNOSOM — United Nations Operation in Somalia
DSW — Discount Shoe Warehouse
UNAIDS — Joint United Nations Programme on HIV/ Acquired Immune Deficiency Syndrome
ASB — Auditing Standards Board's
D2D — Developer to Developer
LLDIE — Limited life debt investment entity
ATNOLD — Alternative Minimum Tax Net Operating Loss Deduction
ITEAM — Information Technology Enterprise Architecture Management
GEM — Growing Equity Mortgage
TEA — Technology-enabled auditing
CDS — Credit default swaps
ICRA — Investment Information and Credit Rating Agency
AFN — Annual Funding Notice
CFIA — Competency Framework for Internal Auditing
GINA — Genetic Information Nondiscrimination Act of 2007
OIS — Overnight Index Swaps
HVCC — Home Valuation Code of Conduct (mortgage and appraisal industry)
AAA — Authentication, Authorization & Access
RFM — Rcency, Frequency, Monetary Analysis
CHRC — Canadian Human Rights Commission
USOA — Uniform system of accounts
FRN — Floating rate notes
VOB — Veteran-Owned Business

ASR — Accelerated Stock Repurchase
MHPA — Mental Health Parity Act of 1996
KMI — Knowledge Management Initiative
SEDR — Systems Engineering and Design Review
USRPI — U.S. real property interest
UNL — Universal Networking Language
UI — Unemployment Insurance
PEC — Potential earnings converted
D/L — Demand loan
EMIF — Emerging Issues Task Force
S&L — Savings and Loan
ULP — Unfair Labour Practices
SLA — Share lending agreement
WCP — World Climate Programme (WMO/ICSU)
DSPE — Deputy Senior Procurement Executive Known
NIB — New In the Box
FAAS — Financial Assurance and Accountability Standards
BB — Base Benefits
CSUM — Common Security User Manager
BIRLS — Beneficiary Identification Records Locator Subsystem
CCSQ — Consultative Committee on Substantive Questions
CCOP — Coordinating Committee for Coastal and Offshore Geoscience Programmes in East and South East Asia
FERS — Federal Employees Retirement System
NBIA — National Business Incumbation Association
NRA — Normal Retirement Age
NSBA — National Small Business Association
RFB — Request For Bid
ETR — United Nations Education and Training Programme
VPT — Volume Price Trend
A&A — Advisory & Assistance
ITC — International Trade Center
ACII — American Association of Individual Investors
RDC — Remote Deposit Capture
SOBO — Small Office Business Office
MEC — Minimum essential coverage
EM — Emergency Loan Program
SIC — Standard industrial clssification
CBO — Chief Business Office
VPFC — Variable Prepaid Forward Contract
NABARD — National Bank for Agricultural and Rural Development
NACM — National Association of Credit Management
IMFL — Indian-Made Foreign Liquor
IEC — Inter Exchange Carrier
MPPAA — Multiemployer Pension Plan Amendments Act
LCD — Labor Cost Distribution
PM PAR — Program Management Policy, Assessment, and Reporting
COSVA — Chief of Staff
CTI — Category, Type, Item
APIC — Additional paid-in capital
LMI — Lender's mortage insurance

SBO — Small Business Ombudsman
FLC — Foreign Labor Certification
PBM — Pharmacy Benefits Management (or Manager)
UNSECOORD — Office of the United Nations Security Coordinator
USD — US Dollars
GCT — General Corporation Tax
ECN — Electronic Communications Network
CRPC — Chartered Retirement Planning Counselor
LTCG — Long-term capital gain
VWPX — Volume Weighted Price Uncrossing
AFSCME — American Federation of State, County and Municipal Employers
UNPD — United Nations Procurement Division
A&A — Assessment and Accreditation
BAN — Bank anticipation notes
DUZ — Designated User
UNTAC — United Nations Transitional Authority in Cambodia
TIFF — Tagged Interface File Format
SYD — Sum-of-the-years-digits
TILA — Truth In Lending Act
SSNVS — Social Security Number Verification System
ALC — Agency Location Code
HCSA — Health Care Spending Account
PUT — Persons Using Television
ZEBRA — Zero-balance reimbursement account
EPA — Expanded Programme of Assistance
BV — Book value
OER — Owner's equivalent rent
NE — Non-Exempt
LAC — Division for Latin America and the Caribbean
RET — Retirement earnings test
SRO — See Self-Regulatory Organization
GRC — Goverance, risk and compliance
NIPA — National income and product accounts
RIPA — Retirement Income Policy Act
DR. — Debit
CTFA — Certified trust & financial advisor
UNOPS — United Nations Office for Project Services
GAGAS — Generally Accepted Government Accounting Standards
TAA — Trade Adjustment Act
CEIS — Corporate Executive Information System
NATP — National Association of Tax Professionals
FT — Full-Time
TUR — Total Unemployment Rates
CWHSSA — Contract Work Hours and Safety Standards Act
PPA — Pension Protection Act of 1987
MTNL — Mahanagar Telephone Nigam Limited
UNSMIH — United Nations Support Mission In Haiti
DFS — Dancer Fitzerald Sample
PFK — Pay-for-knowledge-and-skills plans
BPO — Broker Price Opinion

BQ — Best Qualified
EBP — Employee Benefits Plan
VBA — Veterans Benefit Administration
DNA — Distributed Internet Application Architecture
DESA — Department of Economic and Social Affairs
UNSD — United Nations Statistic Division
CAO — Contract Administration Office
NAPAT — National Association for Private Annuity Trusts
TPRB — Trade Policy Review Body
USC — United States Code
EOLI — Employer owned life insurance
IFOR — Implementation Force
UNAVEM — United Nations Angola Verification Mission
ADA — Associate Deputy Administrator
SDE — Service Delivery and Engineering
NEO — New and Emerging Occupations
UNDAW — United Nations Division for the Advancement of Women
JAN — Job Accommodation Network's
UNMACC — United Nations Mine Action Coordination Centre
SECA — Self-Employment Contributions Act
VBIA — Veterans Benefits Improvement Act of 2004
QR — Quarterly Report
GEMS — Global Environment Monitoring System
IREA — Intermountain Rural Electric Association
WHCRA — Women’s Health and Cancer Rights Act of 1998
BPC — Budget Priority Committee
MSPR — Medicare Secondary Payer Rules
EBSA — Employee Benefit Security Administration's
DITE — Division on Investment, Technology and Enterprise Development
IDB — Industrial Development Board
FALD — United Nations Field Administration and Logistics Division
KFC — Kentucy Fried Chicken
SV — Salvage value
SJ — Sales Journal
IAAS — Infrastructure as a Service
DDB — Doyle Dane Bernbach
DBA — Davis-Bacon Act
NAO — National Administrative Offices
GIWA — Global International Waters Assessment
FASAC — Financial Accounting Standards Advisory Committee
IGE — Intergovernmental Group of Experts
FPO — Fruit Products Order
FOF — Fund of Funds
SBJPA — Small Business Job Protection Act of 1996
USTC — United States Tax Court
QTD — Qualified Total Distribution
SCP — Sustainable Cities Programme
SDVOB — Service-disabled veteran owned business
CEOSH — Center for Engineering & Occupational Safety and Health
LMA — Labor Market Area

GAO — General Accountability Office
CCHR — Canadian Council on Human Resources
LDC — Low Death Conflict
UNDC — United Nations Disarmament Commission
AC — Associate Chief of Staff
VEVRA — Vietnam-Era Veterans Readjustment Act
NR — Not Rated
UNTMIH — United Nations Transitional Mission in Haiti
UNMIBH — United Nations Mission in Bosnia and Herzegovina
FTR — family tracing and reintegration
JECFA — Joint Expert Committee on Food Additives
CFO — Chief Financial/Fiscal Officer
R/E — Real estate
UNEP-IE — United Nations Environment Programme Industry and Environment Centre
GPML — Global Programme Against Money Laundering
CALS — Continuous Acquisition Lifecycle Support
CHRC — Criminal History Records Check
IFEBP — International Foundation of Employee Benefit Plans
BSAD — Baseline System Architecture Document
UNIDIR — United Nations Institute for Disarmament Research
DM — Department of Management
QE — Quarter Ending
ASHHRA — American Society for Healthcare Human Resources Administration
GWAC — Government Wide Acquisition Contract
CTJ — Citizens for Tax Justice/Institute on Taxation and Economic Policy
LLTC — Limited liability trust company
DRPC — Division for Resources Planning and Coordination
EBO — Equity buy out
UNMOGIP — United Nations Military Observer Group In India & Pakistan
UNSCO — Office of the United Nations Special Coordinator for the Middle East
UNIPOM — United Nations India-Pakistan Observation Mission
BAT — Bureau of Apprenticeship and Training
STOLI — Stranger-originated life insurance
TPD — Third-party designee
DBIC — Data Base Integration Committee
ODF — OpenDocument Format
DWC — Division of Workers Compensation
L/V — Loan-to-value ratio
CCP — Collateralized commercial paper
OEL — Offshore Employee Leasing
ODCF — Owner's Discretionary Cash Flow
ITC — International Training Centre
CFPB — Consumer Finance Protection Bureau
CO — Contracting Officer
CCR — Central Contractor Registeration
COAS — Clinical Observation Access Control
UNCA — United Nations Correspondents Association
USM — Unlisted Securities Market
TN — Temporary Visa
JEEP — Joint Ethics Enforcement Plan

CDR — Centre for Documentation and Research
NAVA — National Association for Variable Annuities
IASA — Internation Air Shipper's Association
LRO — Labor Relations Officer
USCIS — US Citizenship and Immigration Services
EBS — Employee Benefits Security
DSA — Disaster Debt Set-Aside Program
CEIT — Comprehensive business income tax
SRO — Self Regulatory Organization
IFUP — International Forum on Urban Poverty
CBHCO — Community-Based Health Care Organization
AETF — African Emergency Task Force
MW — minimum weight
VLI — Variable Life Insurance
QIE — Domestically controlled qualified investment entity
IBDOEI — Income before discontinued operations and extraordinary items
JVC — Japan's Victor Company
ALA — American Legion Auxiliary
CCS — Care Coordination Services
NCO — Net chargeoffs
ASSE — American Society of Safety Engineers-Professional
ECDC — Economic Cooperation Among Developing Countries
ING — Internationale Nederlanden Group (a Financial Company)
BREP — Business Requirements Engineering Process
NOLD — Net Operating Loss Deduction
SEPHA — Special Emergency Programme for the Horn of Africa
IEFR — International Emergency Food Reserve
ICS — Information Centres Services
ATNOL — Alternative Minimum Tax Net Operating Loss
KSA — Knowledge Skills or Abilities
MOD — Manufacturing on demand
NUA — Net Unrealized Appreciation
IAPSO — Inter-Agency Procurement Services Office
HTTP — Hyper Text Transport Protocol
I&A — Interest and amortization
DOBI — Department of Defense Instruction
SAMS — Systemic Advocacy Management System
SPX — Standard and Poor’s Index
USENET — USEr NETwork
PRA — Paperwork Reduction Act of 1980
DPGA — Deferred Payment Gift Annuity
PE — Printer Error
UNSC — United Nations Security Council
FO — Foreign to occupation
AWL — Actual Wage Loss
SST — Streamline Sales and Use Tax Agreement
CRSR — Congressional Research Service Report
IPDC — International Programme for the Development of Communications
NOIDA — New Okhla Industrial Development Authority
SAM — System for Award Management

PJ — Purchases journal
TCDC — Technical Cooperation among Developing Countries
NASDR — National Association of Securities Dealers Regulation
UNMEE — United Nations Mission in Ethiopia and Eritrea
ACLI — American Council of Life Insurance
KMI — Key Man Insurance
FPM — Flexible Payment Mortgage
SNT — Supplemental Needs Trust
BLBA — Black Lunch Benefits Act
RRM — Renegotiated-Rate Mortgage
QAIP — Quality Assurance and Improvement Plan
DBB — Design-bid-build
CFRS — Carry Forward in Rolling Settlement
ODDS — Online Data Delivery System
COSG — Collaborative Opportunities Steering Group
WGEID — United Nations Working Group on Enforced or Involuntary Disappearances
SBLF — Small Business Lending Fund
POC — Pacific Operations Centre
OEBS — Office of Employee Benefits Security
IBD — Investors Business Daily
SDA — Self-directed brokerage account
TEA — Transportation Efficiency Act
CHS — Commission on Human Settlements
CFS — Committee on World Food Security
USCIS — U.S. Citizenship and Immigration Service
LDP — Last Day Paid
E/M — Evaluation and Management
UNLTC — United Nations Military Liaison Team in Cambodia
WMU — World Maritime University
CBRS — Currency banking and retrieval system
PDA — Public Displays of Affection
SRPM — Stated Redemption Price at Maturity
FAC-C — Federal Acquisition Certification in Contracting
DI — Debt instrument
SLA — Supplemental Lease Agreements
IOLTA — Interest on Lawyer's Trust Account
SCIN — Self-canceling installment note
OIP — Office of the Iraq Programme
NAALC — North American Agreement on Labor Cooperation
CCISUA — Coordinating Committee of International Staff Unions and Associations of the United Nations System
IQPA — Independent Qualified Public Accountant
NRV — Net recoverable value
IACWGE — Inter-Agency Committee on Women and Gender Equity
SAAR — Seasonally Adjusted Annualized Rate
UNDG — United Nations Development Group
NAHB — NATIONAL ASSOCIATION OF HOMEBUILDERS
BDC — Business Development Council
LM — Last Month
IDS — International Development Strategy
UNYOM — United Nations Yemen Observation Mission

BIOLAC — United Nations University Programme for Biotechnology in Latin America and the Caribbean
SGML — Standard Generalised Markup Language
R/E — Retained earnings
SYSTEM — Save YourSelf Time, Engergy, and Money (as reported by www.just15minutes.com)
SBIR — Small Business Innovation and Research
DGAACS — Department of General Assembly Affairs and Conference Services
UNREO — United Nations Rwanda Emergency Office
BCAG — Business Community Advisory Group
CSA — Common Services Architecture
UNISTE — United Nations International Symposium on Trade Efficiency
ODCCP — United Nations Office for Drug Control and Crime Prevention
SBI — Site Build It
GIPS — Global Investment Policy Standards
CSP — Cyber Security Professional
A/O — Administrative Offices
EPLI — Employment Practices Liability Insurance
UFW — United Farm Workers
SSTP — Streamlined Sales Tax Project
WHYCOS — World Hydrological Cycle Observing System
ISMUN — International Student Movement for the United Nations
SMB — Small- to medium-sized business
MFST — Manifest
UNMAS — United Nations Mine Action Service
OES — Occupational Employment Statistics
PL/PD — Personal liability/property damage
LTP — Long-Term Plan
IMRO — Investment Management Regulatory Organisation
PPIP — Public-Private Investment Program
CISC — Common Instruction Set Computer
CBD — Chief Benefits Director
BOC — Business Operations Committee
UNIC — United Nations Information Centre
SDCF — Sellers Discretionary Cash Flow
UNMIH — United Nations Mission In Haiti
NCAO — National Cemetery Area Office
AGFUND — Arab Gulf Programme for United Nations Development Organizations
NQPS — Nonqualified preferred stock
UNFALD — United Nations Field Administration and Logistics Division
NCAER — National Council for Applied Economic Research
SE — Salaried Exempt
COBRA — Common Object Request Broker Architecture
OIS — Occupations Information System
PCM — Percentage-of-completion method
USERRA — Uniform Services Employment and Reemployment Rights Act
OTI — OSHA Training Institute
GAW — Guaranteed Annual Wage
UNHQ — United Nations Headquarters
MSPA — Migrant and Seasonal Agriculture Worker Protection Act
B2C — Business to Comerce
HRC — Historic Rehabilitation Credit

BKPR — Be Kind, Please Rewind
ERD — Emergency Response Division
HCIP — Harmonized Index of Consumer Pricing
COAG — Committee on Agriculture
WDC — Workforce Development Center
TAC — Technology Assessment Committee
BIMS — Business Information Management Suite
UNHSP — United Nations Human Settlements Programme
JAIN — Joint American Indian Network
BCBS — Blue Cross/Blue Shield
VOSB — Veteran-Owned Small Business
DCM — Department Cost Manager
UNPROFOR — United Nations Protection Force (in Former Yugoslavia)
EAP — Employee Assistance Plan
VRP — Variable Rate Premium
INRA — United Nations University Institute for Natural Resources in Africa
CCPISA — Convention on the Privileges and Immunities of the Specialized Agencies
CPS — Core Products and Services
HAC — Health Administration Center
PCE — Pre-existing Condition Exclusion
FSB — Fortune Small Business
CEFU — Continuing Education Field Unit
FYE — Fiscal year ended
DBM — Disruptive Behavior Management
BRM — Business Relationship Meeting
PVT — Persons Viewing Television
UNMIK — United Nations Interim Administration Mission in Kosovo
NAP — Noninsured Crop Disaster Assistance Program
AA — Average Audience
DME — Development/Maintenance/Enhancement
LTD — Long Term Insurance
TARP — Troubled Assets Relief Program
COFI — Committee on Fisheries
MINX — Multimedia Information Network Exchange (system)
OHCA — Organized Health Care Arrangement
ODPR — Office for Displaced Persons and Refugees
PPBD — Programme Planning and Budget Division
SWA — State Workforce Agencies
POD — Professional & Organizational Development
EBRI — Employee Benefits Research Institute
TP — Technical Proposal
SSDI — Social Security Disability Indemnity
NMHPA — Newborns’ and Mothers’ Health Protection Act
OHR — Office of Human Resources
K/A — Known as
XFRML — XML based Financial Reporting Markup Language
FCIC — Financial Crisis Inquiry Commission
OSDC — Over/Short/Damage/Claims
GWG — Gender Working Group
IUR — Insured Unemployment Rates

EPAU — Evaluation and Policy Analysis Unit
FCA — Division for Finances, Control and Administration
EPPG — Emergency Prevention and Preparedness Group
FIRPTA — Foreign Investment in Real Property Tax Act
BRB — Benefit Review Board
BKPR — Bookeeper
VRM — Variable Rate Mortgage
DBIA — Database Integration Agreement
NTU — National Taxpayer's Union
ILM — Industrial Light and Magic, Inc.
EAO — Executive and Administrative Office
IAS — United Nations University Institute of Advanced Studies
INTECH — United Nations University Institute for New Technologies
UNMO — United Nations Military Observers
RPO — Recruitment process outsourcing
SEI — Software Engineering and Integration
FS — Forest Service (USDA)
SMP — Special Multiperil Policy
EB — Extended Benefits
EPLI — Employee practices liability insurance
UNIS — United Nations International School
SMES — Small- and medium-scale enterprises
PL — Profit and Loss
SPFS — Special Programme for Food Security
JRPU — Joint Reintegration Programming Unit
ISBA — International Seabed Area
GST — Generation-Skipping Transfer
STIP — Short-Term Industry Projections
LTC — Long-Term Care
PE — Pass-through entity
TEUC — Temporary Extended Unemployment Compensation
SLSMN — Salesman
NDNH — National Directory New Hires
UNCJIN — United Nations Crime and Justice Information Network
BPO — Budget process outsourcing
FSET — Federal State Employment Taxes
PBC — Programme and Budget Committee
COD — Country Operations Division
QREC — Quality Review Executive Committee
FUA — Federal Unemployment Account
T/B — Trial balance
CDARS — Certificate of Account Registry Service
POB — Public Oversights Board
TRD — Trade Relations Division
WPRO — Western Pacific Regional Office
UNOGIL — United Nations Observation Group In Lebanon
RDMHQ — Rapidly Deployable Mission Headquarters
PCB — Programme Coordination Board
CONGO — Conference on Non-Governmental Organizations
CAMPS — Cumulative Auction Market Preferred Stock

CSI — Commissioners Standard Industrial Mortality Table
FABS — Financial and Business Solutions
UNTAES — United Nations Transitional Administration for Eastern Slavonia, Baranja and Western Sirmium
DIMA — Division of Information Management and Analysis
NAEA — National Association of Enrolled Agents
WIA — Workforce Investment Act
WCB — Workers Compensation Board
CFP — Clinical Financial Planner
LBO — Limited Buyout
JPAC — Joint Public Advisory Committee
TCPC — Technical Committee for Programme and Coordination
FEP — Fair Employment Practices
SEAROWHO — Regional Office for South-East Asia Region
RMA — Restricted management account
BNI — Business Needs and Investment
PFA — Platform for Action
JSSA — Jury Selection and Service Act
LTI — Lead Time Interval
FELA — Federal Employment Liability Act
COMP. — Item given for free
IPI — Industrial Protection Index
CRA — Credit Rating Agency
UNGEGN — United Nations Group of Experts on Geographical Names
CUNA — Credit Union National Assocation
XUL — eXtensible UserInterface Language
CVE — Center for Verification and Evaluation
VOC-REHAB — Vocational Rehabilitation
HDRO — Human Development Report Office
CIP — Capital Investment Process
UNOV — United Nations Office at Vienna
DSPD — Division for Social Policy and Development
UNOB — United Nations Office in Burundi
ERCI — Employee Relocation Council Institute
SIU — Sets In Use
PKO — Peace-Keeping Operation
MAT — Minimum Alternative Tax
UNIS — United Nations Information Service
PPA — Paperwork Reduction Act
IIOP — Internet Inter operable ORB Protocol
PERC — Premiums, earnings and reasonable charges
BA — Business Architecture
SUB — Supplemental Unemployment Benefit
LOW — Lack of Work
AIR — Assumed Investment Rate
NBER — National Bureau of Economic Research
PD — Procurement Division
RA — Resident Alien
SLE — Single lease expense
MSFW — Migrant and Seasonal Farm Worker
MDA — Market development funds

DEC — Deductible voluntary employee contributions
GPRS — General Packet Radio System
WCC — Working capital cycle
COFO — Committee on Forestry
CRISIL — Credit Rating Investment Services India Limited
USPTO — U.S. Patent and Trademark Office
SFO — Solicitatio for offers
EPRS — Emergency Preparedness and Response Section
MF — Medical Facilities
EBX — Electronics Boutique X
ND — Network Director
PWD — Prevailing Wage Determination
BOY — Beginning of Year Violator
CCR — Central Contracting Registry
NABE — National Association for Business Economics
HUT — Households Using Television
ICDB — International Childrens' Day of Broadcasting
ICDAIT — International Conference on Drug Abuse and Illicit Trafficing
DDB — Deemed death benefit
SSARS — Statement on Standards for Accounting and Review Services
WPPDA — Welfare and Pension Plan Disclosure Act
WRHSE — Warehouse
WOSB — Woman-Owned Small Business
HPS — Headquarters Procurement Section
BAB — Build America Bonds
IPECILO — International Programme for the Elimination of Child Labour
ORD — Office Of Research And Development (USEPA)
CSO — Cyber Security Office
UNFIP — United Nations Fund for International Partnerships
VAMC — Va medical center
SOS — Switched On Schoolhouse
CI — Control Item
UMTS — Universal Mobile Telephone System
DSRSG — Deputy Special Representative of the Secretary-General
EHLP — Emergency Homeowners Loan Program
IAG — International Advisory Group
YSP — Yield-spread premium
BPA — Blanket purchase authoriation
POP — Point-of-purchase
ATP — Acquisition Training Program
CPR — Committee of Permanent Representatives
PCA — Permanent Court of Arbitration
VCL — Vacancy and collection losses
PCNICC — Preparatory Commission for the International Criminal Court
FMSHA — Federal Mine and Safety Health Act
D/N — Demand note
WRKR — Worker
NSDL — National Securities Depository Limited
SROI — Subsequent Report of Injury
GEO — Global Environment Outlook Report

ICFY — International Conference on the Former Yugoslavia
GAS — Governmental Accounting Standards
CDP — Committee for Development Policy
IMC — Integrated Market Communications
CPK — Cost Per Keyword
CATS — Certificate of accrual on Treasury securities
HRC — Health Resource Center
WST — Waste Spare Time
UNJSPB — United Nations Joint Staff Pension Board
TDB — Trade and Development Board
IIST — United Nations University International Institute for Software Technology
WST — Waste Systems and Transportation
CCAQ(PER) — Consultative Committee on Administrative Questions (Personnel and General Administrative Questions)
UB — Unsafe Buildings
VOC-ED — Vocational Education
B/A — Basic Agreement
ZBA — Zero-Balance Account
PH.D. — Doctorate Of Philosophy
CWSP — College Work-Study Program
UNMOVIC — United Nations Monitoring, Verification and Inspection Commission
OASI — Old Age Survivors Insurance
UN-NADAF — United Nations New Agenda for the Development of Africa in the 1990s
UNPA — United Nations Protected Area
MACC — Mine Action Coordination Centre
OUSG — Office of the Under Secretary General
CSCIS — Computer Software Configuration Items
SEES — Survey Evaluation Exam System
SVNGS — Savings
SARD — Sustainable Agriculture and Rural Development
INWEH — United Nations University International Network on Water, Environment and Health
NVSBE — National Veterans Small Business Engagement
AFROWHO — Regional Office for Africa
EAT — Exchange Accommodation Titleholder
ECS — Enterprise Class Storage
ESOT — Employee Stock Ownership and Trust
IPC — Integrated Programme for Commodities
UNFSTD — United Nations Fund for Science and Technology for Development
KFOR — UN Kosovo Force
CBC — Community Based Outpatient Clinic
BRSP — Bureau for Resources and Strategic Planning
SUTCDC — Special Unit for Technical Cooperation Among Developing Countries
NAWW — National Average Weekly Wages
CARDS — Custom Adjustable Rate Debt Structure
SPDC — Special Political and Decolonization Committee
HB — House B ill
UNTPDC — United NationsTrade Point Development Centre
DRM — Division for Resources Mobilization
MRAM — Magnetic Random Access Memory
FROI — First Report of Injury
EMA — Expense Management Automation

OAR — Overall Rate Of Return
UNON — United Nations Office at Nairobi
HR — Headquarters Regulation
T&E — Travel & Entertainment
SPD — Division for Special Programmes Development
CC — Copy To
PAHO — Pan American Health Office/Regional Office for the Americas of the WHO
SIA — Securities Industry Act of 1983
UNTAG — United Nations Transition Assistance Group
ICE — Internal control evaluation
LAUS — Local Area Unemployment Statistics
SBL — Small Business Liaisons
JIU — Joint Inspection Union
SECL — Secretarial
NPA — National Plans of Action
XRA — Expected Retirement Age
TOM — Traded Options Market
ECM — Energy Conservation Measures
POPIN — United Nations Population Information Network
PEPPRA — Public Employee Pension Plan. Reporting and Accountability Act
IM/DQ — Identity Management/Data Quality
N/P — Note payable
NST — National Sales Tax
QANTAS — Queensland and Northern Territory Ariel Service
CLO — Collaterialized loan obligation
UNPA — United Nations Postal Administration
PTD — Procurement and Transportation Division
SIPA — Securities Investment Protection Act
UNSF — United Nations Security Force in West New Guinea
UNIKOM — United Nations Iraq-Kuwait Observation Mission
OTR — Office of Thrift Supervision
SDC — System Development Center
SOYD — Sum-of-the-years-digits
SLOB — Separate lines of business
STW — School-To-Work
CCC — Cost Containment Center
HEP — Humanitarian Evacuation Programme
WBC — Women Business Center
BEST — BrihnanMumbai Electric Supply and Transport
UNMA — United Nations Mission in Angola
HMO — Health Maintenance Organisation
SSM — Software Service Manager
UNOMA — United Nations Observer Mission in Angola
CFTA — Currency and Foreign Transaction Act
HOW — Homeowner Warranty Plan
CORTS — Corporate-backed trust securities
UNRRA — United Nations Relief and Rehabilitation Agency
CPTAL — Capital
HR — Human Rights's
TRD — Transfer of Development

WARN — Worker Adjustment and Retraining Notification Act W&M
NYMEX — New York Metal Exchange
HRIS — Human Resources Information Service
OALC — Office of Acquisition, Logistics, and Construction
TPA — Technical Practice Aide
AR — Architecture Requirements
UNTSO — United Nations Truce Supervision Organization
SMF/LDC — Special Measures Fund for the Least Developed Countries
NBB — New Belgium Brewery
PCPB — Post-Conflict Peace-Building
SFI — Six-Figure Income
UR — Unemployment Rate
NRET — Non-Resident Withholding Tax
DSD — Division for Sustainable Development
PIRG — Public Interest Research Group
CPI-U — Consumer Price Index for All Urban Consumers
SOIR — Schaeffer Open Interest Ratio
NTFO — Nationwide Tax Forums Online
FAS — Finance and Accounting System
CPK — California Pizza Kitchen
PBSI — Performance Based Salary Increase
UNASOG — United Nations Aouzou Strip Observer Group
EMROWHO — Regional Office for the Eastern Mediterranean
LA — Labor Area
C&P — Compensation & Pension
UNLB — United Nations Logistic Base
TOE — Time is of the essence
NVCA — National Venture Captial Association
CIFR — Committee on Improvements to Financial Reporting
PPBA — Office of Programme Planning, Budget and Accounts
VACO — VA Central Office
UNSC — United Nations Staff College
UNMOP — United Nations Mission of Observers in Prevlaka
EFAST — ERISA Filing Acceptance System
SOPAC — South Pacific group of countries
LTFP — Long-Term Financial Plans
SEBI — Securities Exchange Board of India
OHRM — Office of Human Resources Management
WCDMP — World Climate Data and Monitoring Programme
ROLAC — Regional Office for Latin America and the Carribean
PATS — Planning, Architecture, Technology and Services
WOTC — Workforce Opportunity Tax Credit
HEA — Health Enterprise Architecture
BIMST-EC — Bangladesh India Myanmar Srilanka Thailand - Economic Council
CORBAIIOP — CORBA Internet Inter ORB Protocol
GAP — Gross amount paid
CCSQ(PROG) — Consultative Committee on Substantive Questions (Programme Matters)
UNAT — United Nations Administrative Tribunal
BLESS — Borrowing and Lending Securities Schemes
GTC — Good Till Canceled Order

SEPPAA — Single Employer Pension Plan Amendments Act
B&P — Budgeting & planning
UNROAP — United Nations Regional Office for Asia and the Pacific
LT — Lost Time
IMF — International Monitary Fund
UNGCI — United Nations Guards Contingent in Iraq
VAAR — Department of Veterans Affairs Acquisition Regulation
IPO — Incorporated to Provide
CIM — Corporate Information Model
TSB — Targeted Small Business
CSBU — Center for Small Business Utilization
HST — Health Statistics
UNDOC — United Nations Documents Index
MAG — Mine Advisory Group
CCD — Centralized Contracting Division
NIC — Newly Industrialized Countires
UNPOB — United Nations Political Office in Bougainville
UNPAAERD — United Nations Programme of Action for African Economic Recovery and Development
NVSBC — National Veterans Small Business Conference
UNSMA — United Nations Special Mission to Afghanistan
POS — Point-of-sale
UNARDOL — United Nations Assistance for the Reconstruction and Development of Lebanon
NHCE — Non-Highly Compensated Employee
UNCPCJP — United Nations Crime Prevention and Criminal Justice Programme
JUNIC — Joint UN Information Committee
GLSO — Group Legal Services Organization
POP — Premium-Only Plan
TWAIN — Toolkit Without an Interesting Name
PRP — Potentially Responsible Party (Superfund)
MQT — Medicaid Qualifying Trust
UNTOP — United Nations Tajikistan Office for Peace-Building