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Business & Finance >> Business Word Abbreviations

Look through 2927 acronyms and abbreviations related to Business Word:

S.M.A.R.T — Specific, Measureable, Attainable, Realistic, Timely
SOX — Sarbanes-Oxley
CPOE — Computerized Physician Order Entry
BCWS — budgeted cost for work scheduled
AAO — Affirmative Action Officer
MNC — Multinational Corporation
DEPR. — Depreciation
RMA — Return Merchandise Authorization
UM — Uninsured Motorist
FGM — Female Genital Mutilation
HCE — Highly Compensated Employee
B/E — Breakeven
OSS — Open Source Software
TTL — Total
ACR — Accrual
BCWP — Budgeted Cost for Work Performed
CP — Contingency Plan
GLB — Gramm-Leach-Bliley Act
IGO — Intergovernmental Organization
DDB — Double-Declining-Balance
LAN — Local Area Network
CORELAP — Computerised Relationship Layout Planning
FOMC — Federal Open Market Committee
FLSA — Fair Labor Standards Act
BFOQ — Bona Fide Occupational Qualification
FMLA — Family Medical Leave Act
HIPPA — Health Insurance Portability and Accountability Act
ETA — Estimated Time of Arrival
CRFB — Committe for Responsible Federal Budget
5S — Seiri, Seiton, Seiso, Seiketsu, Shitsuke
CSR — Customer Service Representative
GPROI — Gross Profit Return on Investment
CBPP — Center on Budget and Policy Priorities
RAROC — Risk-Adjusted Return On Capital
APR — Annual Percentage Rate
CAGR — Compound Annual Growth Rate
RFID — Radio Frequency Identification
FISMA — Federal Information Security Management Act
AFDC — Aid to Families with Dependent Children
O*NET — Occupational Information Network
XML — Extensible Markup Language
ROM — Read-Only Memory
C-CPI-U — Chained Consumer Price Index for All Urban Consumers
YTD — Year To Date
ANOVA — Analysis of Variance (statistics)
S&OP — Sales and Operations Planning
ARPANET — Advanced Research Projects Agency Network (early internet)
DOB — Date Of Birth
JC PENNEY'S — James Cash Penney
U&C — Usual and customary

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

AUP — Acceptable Use Policy
E&IT — Electronic and Information Technology
IRC — Internet Relay Chat
NAFTA-TAA — NAFTA Transitional Adjustment Assistance
GATB — General Aptitude Test Battery
PLS — Please
VAGFE — VA-owned Government Furnished Equipment
WAASE — Division for Western Asia, Arab States and Europe
QCEW — Quarterly Census of Employment and Wages
EDWOSB — Economically disadvantaged woman-owned business
GEICO — Government Employees Insurance Company
AAA — American Automobile Association
LMRA — Labor Management Relations Act
COBRA — Consolidated Omnibus Budget Reconciliation Act of 1985
IACSD — Inter-Agency Committee on Sustainable Development
WHO — World Health Organization
LIFO — Last In, First Out
RFQ — Request For Quotation
AAA-CPA — American Association of Attorney-Certified Public Accountants
FF&E — Furniture, Fixtures & Equipment
FEMA — Federal Emergency Management Agency
QC — Quality Control
CBD — Cash Before Delivery
IP — Internet Protocol
EDI — Electronic Data Interchange
RNFA — Return On Net Financial Assets
W/O — Without
AA — Affirmative Action
YUPPIE — Young Urban Professional
EAP — Employee Assistance Program
GSM — Global System for Mobile Communications
GDP — Gross Domestic Product
COB — close of business (End of duty day)
BFP — Bona Fide Purchaser
KPI — Key Performance Indicator
PPE — Personal Protective Equipment
DMAIC — Define, Measure, Analyze, Improve, Control
ATM — Automatic Teller Machine
CCB — Change Control Board
SALY — Same As Last Year
LFPR — labor force participation rate
ADB — Asian Development Bank
CY — Calendar Year
SAAS — Software as a Service
LTCM — Long-Term Capital Management
WML — Wireless Markup Language
IRR — Internal Rate of Return
BSA — Bank Secrecy Act
FTE — Full Time Equivalent
EEO — Equal Employment Opportunity

O/S — Outstanding
CPI — Consumer Price Index
CDO — Collateralized Debt Obligation
NFI — Net Financial Income
ACH — Automated Clearing House
RICO — Racketeer Influenced and Corrupt Organizations Act of 1970
Q — Quarter
RPI — Retail Price Index
ATTN — Attention
TQM — Total Quality Management
ISP — Internet Service Provider
CD — Certificate of Deposit
YTM — Yield to Maturity
FINRA — Financial Industry Regulatory Authority
ROIC — Return on Invested Capital
WACC — Weighted Average Cost Of Capital (accounting)
CV — Curriculum Vitae
FR — Federal Register
CEO — Chief Executive Officer
CBO — Congressional Budget Office
KSOP — 401(k) Employee Stock Option Plan
SMTP — Simple Mail Transfer Protocol
AD — Advertisement
USDA — United States Department of Agriculture
RFP — Request For Proposal
UNESCO — United Nations Educational, Scientific and Cultural Organization
ICE — Intrusion Countermeasures Electronics
GATT — General Agreement on Tariffs and Trade (government)
LLC — Limited Liability Company
BGT — Budget
GIS — Geographic Information System
ATF — As Trustee for
ADR — Alternative Dispute Resolution
LTV — Loan To Value
BMW — Bayerische Motoren Werke (Bavarian Motor Works)
PDA — Personal Digital Assistant
ETA — Department of Labor's Employment and Training Administration
ADP — Actual Deferral Percentage
IOC — Intergovernmental Oceanographic Commission
MSDS — Material Safety Data Sheets
ASME — American Society of Mechanical Engineers
BLS — Bureau of Labor Statistics of the United States Department of Labor
CBC — Complete Blood Count
DOT — Department of Transport
ARC — American Red Cross
R&D — Research & Development
AUM — Assets Under Management
DVP — Delivery Versus Payment
MOU — Memorandum of Understanding (an MOU between Food & Drug Administratin and a regulatory agency in another country allows mutual recognition of inspections)
CAPEX — Capital Expenditure

FIFO — First In, First Out
ADR — American Depositary Receipt
TSR — Total Shareholder Return
JGTRRA — Jobs and Growth Tax Relief Reconciliation Act
GNP — gross national product (economics)
PDF — Portable Document Format (created by Adobe Acrobat)
UCC — Uniform Commercial Code
SRAM — Static Random Access Memory (ess-ram)
THX — Thanks
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.
FTA — Free-Trade Agreement
ACWP — actual cost for work performed
ABC — activity based costing
OI — Operating Income
IRA — Individual Retirement Account
HR — Headquarters Report
BOL — Bill Of Lading
GP — Gross Profit
SAN — Storage Area Network
GA — General Assembly
SGLI — Servicemember Group Life Insurance
NAV — Net Asset Value
ICAO — International Civil Aviation Organization
BEA — Bureau of Economic Analysis
MIGA — Multilateral Investment Guarantee Agency
GM — Gross Margin
LMI — Labor Market Information
IPO — Initial Public Offering
FDCPA — Fair Debt Collection Practices Act
ARB — Architecture Review Board
LLP — Limited Liability Partnership
REO — Real Estate Owned
DBA — Doing Business As
AP — Accounts Payable
ERP — Emergency Response Plan
GOI — Gross Operating Income
ADR — American Depository Receipt
APT — Arbitrage Pricing Theory
ARM — Adjustable Rate Mortgage
ADP — Automated Data Processing
MTBF — Mean Time Before Failure
URL — Universal Resource Locator
EST — Eastern Standard Time
GL — General Ledger
EPA — Environmental Protection Agency (US)
LY — Last Year
BIW — Biweekly
OTC — Over The Counter (medications not requiring a prescription)
CAE — Computer-Aided Engineering
SLA — Service Level Agreement

CIO — Chief Information Officer
ICFR — Internal Control Over Financial Reporting
CRS — Congressional Research Service
FINCEN — Financial Crimes Enforcement Network
ITIN — Individual Taxpayer Identification Number
RFC — Request For Comment
SPV — Special Purpose Vehicle (sometimes Single Purpose Vehicle)
ASCII — American National Standard Code for Information Interchange
UIM — Underinsured Motorist
NSC — National Security Council
EO — Executive Order
JV — Joint Venture
FAA — Federal Aviation Administration
OECD — Organization for Economic Cooperation and Development
BARS — Behaviourally-Anchored Rating Scale
EEOC — Equal Employment Opportunity Commission
SKU — Stock Keeping Unit
ADL — activity of daily living
DPKO — Department of Peacekeeping Operations
NOPAT — Net Operating Profit After Tax
QTY — Quantity
ANCOM — Andean Common Market
B/L — Bill of Lading
RAM — Reverse Annuity Mortgage
OT — Overtime
AWOL — Absent Without Leave
CBA — Cost Benefit Analysis
ADB — African Development Bank
AER — Annual Equivalent Rate
HMO — Health Maintenance Organization
RMP — Risk Management Plan
RAM — random-access memory
FASAB — Federal Accounting Standards Advisory Board
FAR — Federal Acquisition Regulation
WWW — World Weather Watch
EURIBOR — Euro Interbank Offered Rates
FOREX — Foreign Exchange
PV — Present Value
ROE — Return On Equity
CMA — Comparative Market Analysis
GPS — Global Positioning System (ex-NAVSTAR)
ARO — After Receipt of Order
CMT — Constant Maturity Treasury
CV — Cost Variance
GRUT — Grantor Retained Unitrust
PAQ — Position Analysis Questionnaire
SD — Standard Deviation
ODA — Official Development Assistance
FOB — Free On Board
SEM — Search Engine Marketing

CIM — Computer Integrated Manufacturing
CCAQ — Consultative Committee on Administrative Questions
RSF — rentable square feet
BPML — Business Process Modeling Language
EU — European Union (1994; formerly referred to as the EEC or EC)
ABM — Activity Based Management
DTA — Deferred tax assets
DES — Data Encryption Standard
NPV — Net Present Value {economics}
PD — Position Description
PE — Private Equity
G2C — Government to Consumer
UNDMT — United Nations Disaster Management Team
POE — Point of Entry
EOD — End Of Day
ETA — Employment and Training Administration
NATO — North Atlantic Treaty Organisation
CIP — Carriage and Insurance Paid to
CPM — Critical Path Method
MA — Moving Average
IFRS — International Financial Reporting Standard
LOA — Leave Of Absence
ADA — Americans With Disabilities Act Of 1990 (Text Of ADA Legislation)
RIF — Reduction In Force
DFA — Department of Finance and Administration
BPA — Blanket Purchase Agreement
TER — Total Expense Ratio
PC — Politically Correct
DCP — Defined Contribution Plan
AON — Angolan New Kwanza
SLIP — Serial Line Interface Protocol
IM — Information Management
SDR — Special Drawing Rights
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
FPL — Federal Poverty Level
AMA — American Management Association
AM — Asset Management
QOS — Quality of Service
COD — Cash On Delivery
POA — Power Of Attorney
ETF — Exchange Traded Fund
FASAB — Financial Accounting Standards Advisory Board
MSA — Metropolitan Statistical Area
BOP — Bureau Of Prisons
CTS — Carpal Tunnel Syndrome
ACCT — Account
BOV — Broker’s Opinion of Value
SQA — Software Quality Assurance
EFA — Education for All
LOB — Line Of Business

LIBOR — London interbank offering rate
PM — Program Manager
ROM — Range Of Motion
TBD — To Be Determined
MSN — Microsoft Network
GMP — Good Manufacturing Practice
MBA — Mortgage Bankers Association of America
ALM — Asset Liability Management
IPS — Investment Policy Statement
G2G — Government to Government
EMA — Exponential Moving Average
FMS — Financial Management Service
IBAN — International Bank Account Number
CTR — Currency Transaction Report
LBO — Leveraged Buyout
LWDI — Lost Work Day Injury Rate
QSC — Quality, Service, Cleanliness (Ray Kroc's motto for McDonald's)
PO — Purchase Order
CAFTA — Central American Free Trade Agreement
ITLOS — International Tribunal for the Law of the Sea
CTO — Chief Technology Officer
DMA — Designated Market Area
STD — Standard
OPT — Other People's Time
CEN — Committee European de Normalisation
HIBOR — Hong Kong interbank offered rate
LOC — Line Of Credit
S&U — Sales and use
ITA — International Trade Administration
FAS — Free Alongside Ship
CPC — Cost Per Click-through
CR — Continuing Resolution
FICCO — Fair Issac Credit Organization
MIRR — Modified Internal Rate of Return
PDM — Product Data Management
CSRS — Civil Service Retirement System
ASP — Active Server Page
OASDI — Old Age Survivors Disability Insurance
NT — Near-Term
CFROI — Cash Flow Return on Investment
EV — Enterprise Value
CRAT — Charitable Remainder Annuity Trust
MIS — Management Information System (OSHA)
IVR — Interactive Voice Response (telephone technology)
PGP — Pretty Good Privacy (encryption)
DNS — Domain Name System
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.
DRAM — Dynamic Random Access Memory (dee-ram) (computing)
IFB — Invitation For Bid
CP — Commercial Paper

DOD — United States Department of Defense
P&L — Profit and Loss statement
CAO — Chief Accounting Officer
GRM — Gross Rent Multiplier
BI — Business Intelligence
CDHP — consumer-driven health plan
HCFA — Health Care Financing Administration
UNRWA — United Nations Relief and Works Agency for Palestine Refugees in the Near East
IETF — Internet Engineering Task Force
EXCOM — Executive Committee
ABO — Accumulated Benefit Obligation
CBT — Computer Based Training
ACRS — Accelerated Cost Recovery System (finance)
PNG — Portable Network Graphics (graphic file standard/extension)
GPP — Gross Profit Percentage
AE — Account Executive
NYSE — New York Stock Exchange
USP — Unique Selling Point
SC — Security Council
IMF — International Monetary Fund
ACO — Administrative Contracting Officer
FAQ — Frequently Asked Questions (sometimes Pronounced Fak)
COO — Chief Operation Officer
BOE — Bank of England
IAEA — International Atomic Energy Agency
AARP — American Association of Retired Persons
QA — Center for Quality Assurance in International Education
SAM — Shared-Appreciation Mortgage
IRC — Internal Revenue Code of 1986
GFE — Good Faith Estimate
VPN — Virtual Private Network (ATM)
CFA — Consumer Federation of America
3PL — Third Party Logistics
BD — Business Development
CPP — Capital Purchase Program
PFA — Prevention of Food Adulteration Act
NLRB — National Labor Relations Board
FIT — Financial institutions tax
PDA — Personal Data Assistant
AMEX — American Stock Exchange
WC — Worker's Compensation
SAS — Statement on Auditing Standards
PPO — Preferred provider organization
RFI — Request For Information. Sales department shorthand. Special priority when use in conjunction with RFN (see below).
LMRDA — Labor-Management Reporting and Disclosure Act of 1959
DOJ — Department of Justice (US)
ERV — Estimated Rental Value
JIT — Just in time
C&F — Cost and Freight
HAZMAT — Hazardous Material

UNU — United Nations University
ABA — American Bankers Association
DPP — Direct Participation Program
CUSFTA — Canada-US Free Trade Agreement
DI — Disability Insurance
PY — Program Year
PIP — Performance Improvement Plan
RULPA — Revised Uniform Limited Partnership Act
ETR — Effective Tax Rate
AFL-CIO — American Federation of Labor and Congress of Industrial Organizations
ISDN — Integrated Services Digital Network
POP — Point Of Presence (Internet)
MSA — Medical Savings Account
CTO — Compensatory Time Off
QMAC — Qualified Matching Contributions
ABS — Automated Bond System
GAAP — Generally Accepted Accounting Procedures
GMWB — Guaranteed Minimum Withdrawal Benefit
EP — Earned Premium
GSF — Gross Square Feet
IDP — Internally Displaced Person
BCA — Business Continuity Plan
MDB — Multilateral Development Bank
FSA — Flexible Spending Account
MTD — Month-to-date
CISO — Chief Information Security Officer
O&M — Operation and Maintenance
MEC — Modified Endowment Contract
CPM — Continuous Passive Motion
POD — Proof Of Delivery
RFQ — Request For Quote
CRO — Chief Risk Officer
IRCA — Immigration Reform and Control Act
ROI — Return on Investment
UNEP — United Nations Environment Program
CFR — Code of Federal Regulations
ARNP — Advanced Registered Nurse Practitioner
FY — Fiscal Year
BNA — Bureau of National Affairs, Inc.
NOA — Net Operating Assets
3M — Minnesota Mining And Manufacturing Company
CPM — Corporate Performance Management
DIH — Days Inventory Held
ZIP — Zone Improvement Plan
CPO — Cost Per Order
COTR — Contracting Officer Technical Representative
LOI — Letter Of Intent
SM — Service Mark
BS — Balance Sheet
AMID — Allowable Miscellaneous Itemized Deductions

CRM — Customer Relationship Management
AGI — Adjusted Gross Income
SG&A — Selling, general, and administrative expenses
FDA — Food Drug Administration
ITC — Information Technology Center
EBT — Earnings Before Tax
CPM — Cost Per Thousand
AMD — Advanced Micro Devices, Inc. (producer of computer chips)
AJE — Adjusting Journal Entry
AOV — Average Order Value
FOIA — Freedom of Information Act
XTML — eXtensible Telephony Markup Language
BDF — Beneficiary Designation Form
PAT — Profit After Tax
HSA — Health Savings Account
PFS — Personal Financial Specialist
DRP — distribution requirements planning
PC — Percent
NI — Net Income
DFAS — Defense Financial Accounting Service
JD — Job Description
EPA — Equal Pay Act
NCA — National Cemetery Administration
4P — Price, Product, Place and Promotion
MTF — Medical Treatment Facility
TL — Truckload
WTO — World Tourism Organization
DCA — Dollar Cost Averaging
DC — Defined Contribution
IDR — Issuer Default Rating
GRIT — Grantor Retained Income Trust
PDA — Pregnancy Discrimination Act
OTB — Open To Buy
UR — Utilization Review
RAID — Redundant Array of Inexpensive Disks
ICC — International Criminal Court
PD — Paid
MLS — Multiple Listing Service
G2B — Government to Business
NGO — Non-governmental organization. (Red Cross/Crescent, Doctors without Borders, etc.)
CMA — Certified Management Accountant
PRI — Primary Rate Interface (ISDN)
RONA — Return On Net Assets
TDI — Temporary Disability Insurance
CHR — Commission on Human Rights
GRAT — Grantor Retained Annuity Trust
UNA — United Nations Association
IPCS — International Programme on Chemical Safety
LLLP — Limited Liability Limited Partnership
IBM — International Business Machines Corporation

DCR — Debt Coverage Ratio
EOE — Equal Opportunity Employer
CPM — Certified Property Manager
PC — Personal computer (host)
TRO — Temporary Restraining Order
CASB — Cost Accounting Standards Board
ITU — International Telecommunication Union
BSM — Black-Scholes-Merton
RTF — Rich Text Format
PY — Prior Year
TM — Trademark
CIMA — Chartered Institute of Management Accountants
COOP — Continuity of Operations
PERT — Program Evaluation and Review Technique
SAR — Stock Appreciation Right
MI — Mortgage Insurance
CDC — Center for Disease Control and Prevention
GIF — Guaranteed Investment Fund
CSHO — Compliance Safety and Health Officer
IRS — U.S. Internal Revenue Service
IRIN — Integrated Regional Information Networks
IDIT — Intentionally defective irrevocable trust
FTD — Federal Tax Deposit
DOE — United States Department of Energy (government)
SOHO — Small Office Home Office
EA — Enrolled Agent
COS — Chief of Staff
ALDEP — Automated Layout Design Programs
HR — Human Resource
STR — Software Test Report
A&W — Allen & Wright (Roy Allen and Frank Wright combined their initials to name A&W Root Beer in 1922)
NIBCL — Non-interest bearing current liabilities
LOS — Length of Stay
BCC — Blind Copied
FUBU — For Us By Us
CME — Chicago Mercantile Exchange
BCR — Benefit/Cost Ratio
CAI — Computer Assisted Instruction
CAPM — Capital Asset Pricing Model
OID — Original Issue Discount
AAR — Average Annual Return
RO — Regional Office
ATO — Asset Turnover
FNA — Financial needs analysis
OPR — Other People's Resources
TAN — Tax Anticipation Note
EPZ — Export Processing Zone
BU — Bargaining Unit
APPROX — Approximate
FTE — Full-Time Employee

IASC — Inter-Agency Standing Committee
EE — Employee
AQL — Acceptable Quality Level
FRB — Federal Reserve Board
PFD — Preferred
DBA — Data Base Administrator
CDL — Commercial Driver's License
ASB — Accounting Standards Board
GSA — U.S. General Services Administration
EOM — End Of Month
NFIP — National Flood Insurance Program
DPP — Deferred Payment Plan
NOC — Net Operating Capital
ROG — Receipt Of Goods
AIG — American International Group, Inc
PPI — Producer Price Index
ROR — Return on Revenue
GRP — Gross Rating Point
HQ — Headquarters (HDQ Preferred)
CVP — Cost-Volume-Profit
AO — Authorizing Official
IC — Internal Control
TIPS — Treasury Inflation-Protected Securities
NDA — Non-Disclosure Agreement
GL — General Liability
AMA — American Medical Association
ALEX — AUTOMATED LABOR EXCHANGE
POP — Point Of Purchase
ATCF — After Tax Cash Flow
POD — Payable on Death
MLM — Multi-Level Marketing
AMTI — Alternative Minimum Taxable Income
ECA — Economic Commission for Africa
GA — General Agent
DCF — discounted cash flow rate
PNP — Plug aNd Play
MLR — Medical Loss Ratio
RTW — Return To Work
TAM — Television Audience Measurement
SIC — Standard Industrial Classification (Code)
CIT — Corporate Income Tax
MACRS — Modified Accelerated Cost Recovery System (IRS)
WIP — Work in Process
IDA — International Development Association
ATB — Across the Board
FSS — Federal Supply Schedule
DDU — destination delivery unit
RR — retention rate
NAM — National Association of Manufacturers
PLR — Private Letter Ruling

MAD — Mean Absolute Deviation
QMCSO — Qualified Medical Child Support Order
RAP — Regulatory Accounting Principles
TCE — Tangible Common Equity
REPO — Repurchase Agreement
PHC — Personal Holding Company
AGR — Adjusted Gross Revenue
SBC — Southwestern Bell Corporation
CA — Confidentiality Agreement
ASP — Application Service Provider
HR — HUMAN RESOURCES
DPA — Department of Political Affairs
LBB — Legislative Budget Board
TAM — Technical Advice Memorandum
PHP — PHP Hypertext Processor
IMO — International Maritime Organization
ACV — Actual Cash Value
GOV — Government Owned Vehicle
SMT — Senior Management Team
EPI — Expanded Programme on Immunization
CMS — Content Management System
AMF — American Machine & Foundry (bowling lane operators and former owners of Harley Davidson motorcycles)
CAGR — Compounded Annual Growth Rate
CMM — Capability Maturity Model
CRM — Client Relationship Management
SRM — Supplier Relationship Management
ASU — Accounting Standards Update
BAT — Business Activity Tax
LWP — Leave With Pay
ERISA — Employee Retirement Income Security Act
AACU — American Association of Colleges and Universities
AEI — American Enterprise Institute
ICJ — International Court of Justice
HVAC — Heating, Ventilation, and Air Conditioning
SBLC — Standby Letter of Credit
CSF — Critical Success Factor
OMB — Office of Management and Budget (U.S.)
SGA — Substantial Gainful Activity
REC — Renewable Energy Certificate
AD&D — Accidental Death and Dismemberment
ATR — Americans for Tax Reform
BAFO — Best and Final Offer
ERP — Estimated Retail Price
ESI — Electronically Stored Information
PMI — Private Mortgage Insurance
AICPA — L'American Institute of Certified Public Accountants
EMS — Eastern Mountain Sports
ROOA — Return on Operating Assets
WC — Working Capital
OJT — On-The-Job-Training

PRC — Peer Review Committee
PCI — Per Capita Income
HELOC — Home Equity Line of Credit
SB — Senate Bill
CIX — Commercial Internet Exchange
OJT — On the Job Training
SOP — Statement Of Position
CPI — Cost Performance Index
TIP — Transportation Improvement Program
CPIC — Capital Planning and Investment Control
TDC — Total Direct Compensation
GPO — Government Printing Office
AOQL — Average Outgoing Quality Level
HDI — Human Development Index (UNDP yardstick of human welfare)
EOB — Explanation Of Benefits
SOS — Sound On Sound
NTIS — National Technical Information Service Technology Administration
CFO — Communication Filing Officer
LOB — Line-Of-Balance
ERS — Economic Research Service
SBO — Small Business Owner
CPR — Cardio-Pulmonary Resuscitation
TDA — Tax Deferred Annuity
SOL — Statute of Limitations
UGMA — Uniform Gifts to Minors Act (largely replaced by UTMA)
NPW — Net Present Worth
FFY — Federal Fiscal Year
IIA — Institute of Internal Auditors
PILOT — Payment In Lieu Of Taxes
MLR — Monthly Labor Review
AT&T — American Telephone and Telegraph (U.S. company, also known as "Ma Bell")
IBNR — Incurred But Not Reported
OPM — Office of Personnel Management
NOW — Negotiable Order of Withdrawal
NNN — Triple Net (Lease)
DTI — Department of Trade and Industry (UK)
REIT — Real Estate Investment Trust
LC — Letter of Credit
7S — Strategy, Structure, Systems, Style, Staff, Skills, Shared values
FCC — Federal Communications Commission (US)
CUPA — College and University Personnel Association
AL — Assisted Living
TVM — Time Value of Money
IRA — Individual Retirement Arrangement
SEPA — Single Euro Payments Area
CAE — Certified Association Executive
CGA — Charitable Gift Annuity
CESA — Coverdell education savings account
POC — Proof of Claim
LCA — Labor Condition Application

FTC — Federal Trade Commission (U.S.)
ACC — Administrative Committee on Coordination
EGM — Extraordinary General Meeting
EEPROM — Electric Erasable Programmable Read Only Memory
AED — United Arab Emirates Dirham
ADEA — Age Discrimination in Employment Act's
FASAC — Financial Accounting Standards Advisory Council
SAR — Suspicious Activity Report(ing)
LEPO — Low Exercise Price Option
OTCEI — Over the Counter Exchange of India (stock exchange)
IME — Independent Medical Examination
BRI — Basic Rate Interface
DUSH — Deputy Under Secretary for Health
OTS — Office of Thrift Supervision
IBR — Income-based repayment
XHTML — Extensible Hypertext Markup Language
ILIT — Irrevocable Life Insurance Trust
VA — Veterans Administration
POP — Premium Only Plan
A/P — Accounts Payable
HFA — Housing Finance Agency
COLA — Cost of Living Adjustment (or Allowance)
UNAMIC — United Nations Advance Mission In Cambodia
UPS — United Parcel Service, Inc.
CGQ — Corporate Governance Quotient
ART — Annual Renewable Term (life insurance)
DPI — Department of Public Information
BRIC — Brazil, Russia, India and China
WHA — World Health Assembly
UL — Universal Life
IPTF — International Police Task Force
FRV — Fair Rental Value
ELP — Electing large partnership
FCRA — Fair Credit Reporting Act
ADI — After Date of Invoice
HDML — Handheld Device Markup Language
COGS — Cost of Goods Sold
AAA — authentication, authorization, and accounting
P2P — Peer to Peer (as in music file sharing systems like KaZaA)
BOS — Behavior Observation Scale
CIO — Chief Investment Officer
DOC — Doctor
MDGD — Management Development and Governance Division
SNA — System of National Accounts
AMT — Amount for Married Taxpayers
UI — User Interface
MAS — Multiple-Award Schedule
CAFR — Comprehensive Annual Financial Report
BOO — Build Own Operate
MMDA — Money Market Deposit Account

SMA — Simple Moving Average
AFDA — Allowance for Doubtful Accounts
NAB — Non-accrual basis
DRP — Disaster Recovery Plan
DSO — Day Sales Outstanding
GAO — Government Accountability Office [formerly the General Accounting Office]
NQDC — Nonqualified deferred compensation
ISO/MSP — Independent sales organization/Member service provider
DOL — Degree of Operating Leverage
NAVPS — Net Asset Value Per Share
ILAB — Bureau of International Labor Affairs
WRKSHP — Workshop
MOH — Music On Hold
CPA — Certified Public Accountant
TCO — Total Cost of Ownership
UN — United Narions
DM — Direct Mail
EOU — Export Oriented Unit
ETN — Exchange Traded Note
ASAE — American Society of Association Executives
CC — Civil Code
BID — Business Improvement District
IM/IT — Information Management/Information Technology
VC — Venture Capital
CCP — Certified Compensation Professional
CICA — Competition in Contracting Act (1984)
HDR — Humanitarian Daily Ration
ADEA — Age Discrimination and Employment Act
IMAP — Internet Message Access Protocol
BLM — Bureau of Land Management of United States Department of the Interior
EXP — Export
SE — Self Employed
FAK — Freight all kinds
ACASTD — Advisory Committee on the Application of Science and Technology to Development
DOL — United States Department of Labor
GPI — Gross potential income
UNMISET — United Nations Mission of Support in East Timor
ATOI — After Tax Operating Income
FRS — Federal Reserve System
DOI — Date of Injury
BHAG — Big Hairy Audacious Goal
CK — Calvin Klein
NRI — Net Revenue Interest
DW — Dislocated Worker
GIF — Graphic Interchange Format
IANA — Internet Assigned Numbers Authority
DTL — Deferred Tax Liability
MOM — Message Oriented Middleware
REI — Recreational Equipment, Inc.
SCORE — Service Corps Of Retired Executives

NCOA — National Change Of Address
UTD — Under Trust Dated
FMLA — Family and Medical Leave Act
BOMA — Building Owners and Managers Association
JD — Juris Doctorate
DCAP — Dependent Care Assistance Program
FSLMRA — Federal Service Labor-Management Relations Act
NFO — Net Financial Obligations
SS — Social Security
MPS — Marginal Propensity to Save
DJIA — Dow Jones Industrial Average
OSHA — Occupational Safety and Health Act (1970)
IATA — International Air Transport Association
UNCIP — United Nations Commission for India and Pakistan
COD — Cancellation of Debt
JOA — joint operating agreement
FASB — Financial Accounting Standards Board
RISC — Reduced Instruction Set Computer
ATP — Accredited Tax Preparer
DAGMAR — Defining Advertising Goals for Measured Advertising Results
ACC — Accounting Classification Code
UPU — Universal Postal Union
APY — Annual Percentage Yield
CFAT — Cash Flow After Taxes
TCN — Third Country National
AJB — America’s Job Bank
SBU — Strategic Business Units
TCBY — The Country's Best Yogurt
NFE — Net Financial Expense
AX — Armani Exchange
SOA — Service-Oriented Architecture
DOH — Days inventory On Hand
GSI — general salary increase
ADJ — Adjust
APV — Adjusted Present Value
ESA — Coverdell education savings account
ISA — International Seabed Authority
MLP — Minimum lease payments
SEA — Securities Exchange Act
BOT — Balance of Trade
CASE — computer-automated software engineering
PM — Project Manager
SC — Securities Commission
EOI — Evidence of Insurability
ESCAP — Economic and Social Commission for Asia and the Pacific (UN)
MBDA — Minority Business Development Agency
MVIC — Market Value of Invested Capital
EVA — Economic Value Added
SUTA — State Unemployment Tax Act
CRT — Charitable Remainder Trust

CROGI — Cash Return on Gross Investment
DUNS — Data Universal Numbering System
MSRP — Manufacturer's Suggested Retail Price
SERP — Supplemental Executive Retirement Plan
ALJ — Administrative Law Judge
SCM — Supply Chain Management
REV. RUL. — Revenue Ruling
ESOP — Employee Stock Ownership Plan
PIC — Prior Informed Consent
A/R — Accounts Receivable
EIS — Environmental Impact Statement (US)
URO — Utilization Review Organization
DFL — Degree of Financial Leverage
FCFE — Free Cash Flow to Equity
CSO — Commissioners Standard Ordinary
COST — Council on State Taxation
EOI — Expression Of Interest
MRO — Maintenance, repair, and overhaul
ST — Short-Term
ROGFA — Return on Gross Fixed Assets
ROW — Right-Of-Way
ABA — Accredited Business Accountant
MUPLA — Model Uniform Products Liability Act
JPEG — Joint Photographic Experts Group (24-bit image storage format)
HUD — Department of Housing and Urban Development (U.S.)
IP — Intellectual Property
LAR — Legislative Appropriations Request
ITARS — IT Acquisition Request System
ROCE — Return On Capital Employed
MTC — Multistate Tax Commission
RBM — Roll Back Malaria
PSC — Personal Service Corporation
AIDA — Attention, Interest, Desire, Action
ECP — Emergency Conservation Program
CORBA — Common Object Request Broker Architecture
DBMS — Data Base Management System
ADC — Acquisition, Development, and Construction
TIL — Truth in Lending
NL — No-Load
FHLB — Federal Home Loan Bank
CBIT — Comprehensive Business Income Tax
CFE — Certified Financial Examiner
GED — General Equivalency Diploma
MLP — Master Limited Partnership
DOLETA — Department of Labor Employment and Training Administration
OA — Operating Assets
SDB — Small Disadvantaged Business
ITF — In Trust For
NSX — National Stock Exchange
FS — Financial Statement

SFH — Single Family Home
FSI — Free Standing Insert
OASDI — Old Age and Survivors Disability Insurance
CNF — Cost, not freight
CERD — Committee on the Elimination of Racial Discrimination
NIH — NATIONAL INSTITUTE OF HEALTH
SIAP — Statistical Institute for Asia and the Pacific
NSA — National Society of Accountants
ATA — Accredited Tax Advisor
ROS — Return on Sales
REV. PROC. — Revenue Procedure
IBRD — International Bank For Reconstruction And Development (part Of The World Bank)
LPA — Licensed Public Accountant
ADP — Average Deferral Percent
CGS — Cost of Goods Sold
RP — Repurchase Agreement
BDC — Business Development Center
IFRIC — International Financial Reporting Interpretations Committee
FP — Fixed Price
UNICEF — United Nations International Children's Emergency Fund
WT — Warrant
QTD — Quarter-to-Date
EFT — Electronic Funds Transfer
TIN — Taxpayer Identification Number
LTIP — Long-Term Incentive Plan
ROA — Return on assets
POQ — Periodic Order Quantity
DHL — Dag Hammarskjöld Library
VSNL — Videsh Sanchar Nigam Limited
W/C — Working Capital
IAP — Initial advance payment
ECM — Excess cash margin
PLM — Product Lifecycle Management
UNHCR — United Nations High Commissioner for Refugees Program
EOY — End-Of-Year
JOLTS — Job Openings and Labor Turnover Survey
MPEG — Moving Picture Experts Group (International Standards Organisation/International Electrotechnical Commission)
RTO — Reverse Take-Over
AA — Author Alteration
M/M — Month-over-month
CFA — Chartered Financial Analyst
A&H — Accident and health insurance
CHRO — Chief Human Resource Officer
B2B — Business to Businesse
RIA — Registered Investment Advisor
NASDAQ — National Association for Security Dealers and Automatic Quotation
VDT — Video Display Terminal
DPO — Days payables outstanding
LTL — Less Than Truckload Lot
AA — Adverse Action

SNE — Salaried Non-Exempt
PE — Price-earnings ratio
NCUSIF — National Credit Union Share Insurance Fund
CTV — Capital Timber Value
CGMA — Chartered Global Management Accountant
OCF — Operating Cash Flow
NLRA — National Labor Relations Act
CMO — Chief Marketing Officer
EIN — Employer Identification Number
PDQ — Position Description Questionnaire
SA — Seasonally Adjusted
BIS — Bank of International Settlements
OASDHI — Old Age, Survivors, Disability and Health Insurance Act
QAI — Quality Assurance International
AAAA — American Association of Advertising Agencies
UNICRI — United Nations Interregional Crime and Justice Research Institute
BBDO — Batten, Barton, Durstine & Osborn
PR — Public Relations
CODA — Cash or Deferred Arrangement (401K)
BOOT — Build Own Operate Transfer
GE — General Electric American Communications Inc.
LF — Labor Force
EISA — Extended Industry Standard Architecture
D/O — Delivery Order
A/E — Architect/Engineer
CMBS — Commercial mortgage-backed securities
ASG — Assistant Secretary General
KSAO — Knowledge, Skills, Abilities and Other
CPSC — Consumer Products Safety Commission
SEO — Search Engine Optimizer
NMS — Normal Market Size
DRTV — Direct Response Television
AMPS — Auction Market Preferred Stock
SOC — Standard Occupational Classification
B&P — Bid & Proposal
ERTA — Economic Recovery Tax Act
C-TPAT — Customs-Trade Industry Against Terrorism
GPM — Graduated Payment Mortgage
FWT — Federal Withholding Tax
CODASYL — Committee on Data Systems Languages
CPA — Comprehensive Plan of Action
MRD — Minimum Required Distribution
CIMC — Certified Investment Management Consultant
NRE — Net realizable equity
OB — Office of Budget
MCI — Microwave Communications Incorporated
TTM — Trailing Twelve Months
PCCM — Percentage-of-completion/capitalized cost method
CPG — Consumer Packaged Goods
PTE — Pass-Through Entity

CC — Capital Contribution
TPL — Third-Party Liability
NSA — Not Seasonally Adjusted
ROS — Run Of Schedule
OAS — Option Adjusted Spread
ABCP — Asset Backed Commerical Paper
NFA — Net Financial Assets
FFIEC — Federal Financial Institutions Examination Council
DKNY — Donna Karan New York
A/E — Accured expense
PCFRC — Private Company Financial Reporting Committee
ECP — Engineering Change Proposals
ECOWAS — Economic Community of West African States
EPS — Earnings per share
ECOA — E-Mail Change of Address
POS — Point of Service Plan
EITC — Earned Income Tax Credit
PERL — Practical Extraction and Report Language
CFIUS — Committee on Foreign Investment in United States
CIC — Consumer Information Center
TPD — Temporary Partial Disability
SNF — Skilled Nursing Facility
ECI — Employment Cost Index
OIBITDA — Operating Income Before Interest, Taxes, Depreciation and Amortization
OE — Operating Expense
UTMA — Uniform Transfers to Minors Act
ROP — Run of Press
ABP — Average Benefit Percentage
AIA — American Institute of Architecture
RSI — Relative Strength Indicator
FFO — Funds from operations
MANOVA — Multivariate Analysis of Variance
LYON — Liquid Yield Option Note
CUM PFD — Cumulative preferred
MC — Market Capitalization
B2C — Business to Consumer
GICS — Global Industry Classification Standards
AGC — Associated General Contractors of America
BOT — Board of Trustees
UNGOMAP — United Nations Good Offices Mission In Afghanistan and Pakistan
INSARAG — International Search and Rescue Advisory Group
AFTP — Anonymous File Transfer Protocol
PTO — Paid Time Off
RRSP — Registered Retirement Savings Plan (Canada; Roughly Equivalent To The IRA In The U.S.)
SSA — Social Security Administration
SAR — Summary Annual Report
CMMI — Capability Maturity Model Integrated
PIK — Payment in Kind
SSB — Securities Supervisory Board
SESA — State Employment Security Agency

WIPO — World Intellectual Property Organization
ALC — Alien Labor Certification
FICA — Federal Insurance Contribution Act
MIME — Multipurpose Internet Mail Extension
STP — Software Test Plan
OSG — Office of the Secretary-General
TEV — Total Enterprise Value
WMO — World Meteorological Organization (ICSU)
LFY — Last Fiscal Year
MER — Management Expense Ratio
ECE — Economische Commissie voor Europa (United Nations) (Dutch: Economic Commission for Europe)
MBTI — Myers-Briggs Type Indicator
PSA — Public Service Announcement (radio/TV Term)
USG — Under Secretary General
AR — Accounts Receivable
CAD — Cash Available for Distribution
UNISPAL — United Nations Information System on the question of Palestine
LOS — Law Of The Sea
SEC — Securities and Exchange Commission (US)
PITI — Principal, Interest, Taxes, and Insurance
ECF — Extended Care Facility
ROTA — Return On Total Assets
SEPG — Software Engineering Process Group
ICPD — International Conference on Population and Development
COI — Conflict Of Interest
GST — Goods and Services Taxation
FCF — Free Cash Flow
MLS — Mass Layoff Statistics
WTO — World Trade Organisation
GOOS — Global Ocean Observing System (IOC, UNESCO, WMO, and ICSU)
DCPP — Defined Contribution Pension Plan
ROA — Regional Office for Africa
DINKS — Dual Income, No Kids
DBT — Days Beyond Terms
FAO — Food and Agriculture Organization of the United Nations
B.A. — Bachelor of Arts
BRE — Business Reply Envelope
IMRB — Indian Market Research Bureau
NAICS — North American Industry Classification System
FOM — Field Operations Manual
NAFTA — North American Free Trade Agreement
RIC — Regulated Investment Company
AAG — Audit and accounting guides
IDA — Industrial Development Authority
ICANN — Internet Corporation for Assigned Names and Numbers
LWO — Leave without pay
NAR — National Association of Realtors
WRA — Weighted Risk Assets
GAAP — Generally Accepted Accounting Principles
FMV — Fair Market Value

SIB — Securities and Investment Board
NOI — Net Operating Income
ABV — Accredited in Business Valuation
UNDOF — United Nations Disengagement Observer Force
ITMP — Information Technology Management Program
AFR — Applicable Federal Rate
TSR — Terminate and Stay Resident [software program]
SBLI — Savings Bank Life Insurance
MRPS — Mandatorily redeemable preferred stock
CDI — Category Development Index
LCM — Lower of Cost or Market
ATB — Accountants Trial Balance
ECOSOC — Economic and Social Council of the United Nations
WAP — Wireless Application Protocol
T&C — Terms & Conditions
XBRL — Extensible Business Reporting Language
ZEN — Zero Effort Network
NAAS — Network as a Service
CMYK — Cyan, Magenta, Yellow, Black
ABMS — Activities Based Management System
CIF — Cost, Insurance, and Freight (Paid) (shipping)
CEPS — Cash Earnings Per Share
SIPC — Securities Investor Protection Corporation
BPM — Business Performance Management
TSR — Tactical Studies Rules
DIC — Document Identifier Code
DAPT — Domestic Asset Protection Trust
CFS — Container Freight Station
CRUT — Charitable Remainder Unitrust
DCAP — Dependent Care Assistance Plan
RFPA — Right to Financial Privacy Act of 1978
L/C — Letter of Credit
PBO — Projected Benefit Obligation
T&D — Training and Development
PVGO — Present Value of Growth Opportunities
LT — Lead Time
HECM — Home Equity Conversion Mortgage
BBB — Better Business Bureau's
CBOT — Chicago Board of Trade
PHR — Professional in Human Resources Certification
FNMA — Federal National Mortgage Association
SRA — Supplemental Retirement Annuity
BTT — Business Transfer Tax
EPPA — Employee Polygraph Protection Act
GNMA — Government National Mortgage Association
FHLMC — Federal Home Loan Mortgage Corporation, United States
OER — Operation Expense Ratio
USF — Usable Square Feet
CEDAW — Committee on the Elimination of Discrimination against Women
FACHE — Fellow in American College of Healthcare Executives

DIO — Days Inventory Outstanding
VSOE — Vendor-Specific Objective Evidence
BOC — Budget Object Code
VA — Veterans Affairs
ECOA — Equal Credit Opportunity Act
PW — present worth
C&B — Compensation and Benefits
APR — Annual Percentage Rate
GIM — Gross Income Multiplier
CICP — Centre for International Crime Prevention
ABF — Asset-Based Financing
TTD — Temporary Total Disability
SIV — Structured Investment Vehicle
EBSA — Employee Benefits Security Administration
SDI — State Disability Insurance
CGT — Capital Gains Tax
BPD — barrels per day
ESO — Employee Stock Option
DIP — Debtor In Possession
CFA — Committee on Food Aid Policies and Programmes
NACUBO — National Association of College & University Business Organizations
CLAT — Charitable Lead Annuity Trust
PAAS — Platform-as-a-Service
EIC — Earned Income Credit
DVA — Debt value adjustment
ACP — Actual deferral percentage
FHA — Federal Housing Administration
NSA — National Safety Associates
FRA — Full Retirement Age
PUD — Planned Unit Development
PBGC — Pension Benefit Guaranty Corporation
BOA — Basic Ordering Agreement
WI — Working Interest
ECB — European Central Bank
CUM — Cumulative
EVM — Earned Value Management
FERC — Federal Energy Regulatory Commission (U.S.)
PEO — Professional Employer Organization
AAPC — Accounting and Auditing Policy Committee
BRC — Business Reply Card
CAM — Common Area Maintenance (charges related to commercial leases)
DRO — Domestic Relations Order
ROAE — Return on Assets Employed
GAAS — Generally Accepted Auditing Standards. Perhaps only marginally less contradictory than GAAP, but they do exist, honestly.
CISSP — Certified Information Systems Security Professional
ACFE — Advisory Committee on Forestry Education
TRA — Tax Reform Act
YOY — Year-over-year
STAR — Satellite Television Asian Region, Ltd.
CI — Contract Item

IFAD — International Fund for Agricultural Development (UN)
AFICS — Association of Former International Civil Servants
NSF — Not Sufficient Funds
LSE — London Stock Exchange
BOD — Board of Directors (Budget)
S&P — Standard & Poor's
OHCHR — Office of the United Nations High Commissioner for Human Rights
FMCS — Federal Mediation and Conciliation Service
SEM — Shared-Equity Mortgage
NVI — Negative Volume Index
PVFC — Prepaid variable forward contract
CFTC — Commodity Futures Trading Commission
CIP — Capital Investment Proposal
IRDA — Insurance Regulatory Development Authority
FECA — Federal Employer’s Compensation Act
CUSIP — The Committee Of Uniform Security Identification Procedures
PEG — Price to Earnings Growth
ITIL — Information Technology Infrastructure Library
ALTA — American Land Title Transfer
BCP — Business Continuity Plan
NDNH — National Directory of New Hires
CB — Carryback
LEC — Local Exchange Carrier
UNFPA — United Nations Fund for Population Activities (see www.unfpa.org)
DFEH — Department of Fair Employment and Housing's
IASC — International Accounting Standards Committee
AFP — Association for Financial Professionals
CSA — Cost Sharing Arrangement
PHI — Protected Health Information
ISSA — International Securities Services Association
LT — Long Terme
WIP — Work In Progress (process)
MRQ — Most Recent Quarter
VIE — Variable Interest Entity
OIOS — Office of Internal Oversight Services
CLUT — Charitable Lead Unitrust
CETA — Comprehensive Employment and Training Act of 1975
ICSAB — International Civil Service Advisory Board
FPML — Financial Products Markup Language
UNIIMOG — United Nations Iran-Iraq Military Observer Group
SS — Safety Stock
FIE — Foreign-Invested Enterprise
DSPP — Direct Stock Purchase Plan
NOL — Net Operating Loss
RTW — Right to Work
ESOP — Employee Stock Option Plan
FSLIC — Federal Savings & Loan Insurance Corporation
TRUPS — Trust Preferred Securities
ECOMOG — Economic Community of West African States' Monitoring Observer Group
OASDHI — Old Age, Survivors, Disability, and Health Insurance

EPCM — Exempt-contract, percentage-of-completion method
SSD — Social Security Disability
BTCF — Before Tax Cash Flow
HR&A — Human Resources and Administration
BONUCA — United Nations Peace-Building Office in the Central African Republic
WPI — Wholesale Price Index
CEMP — Comprehensive Emergency Management Program
IASB — International Accounting Standards Board
CBCMC — Clinical Bar Code Multidisciplinary Committee
CSO — Central Statistical Organisation
TEFRA — Tax Equity and Fiscal Responsibility Act of 1985
BDI — Brand Development Index
CFP — Certified Financial PlannerTM
STTR — Small Business Technology Transfer
CPLTD — Current portion of long-term debt
FCA — Farm Credit Administration
IAM — Identity and Access Management
LTO — Long-Term Option
FUTA — Federal Unemployment Tax Act
TAMRA — Technical and Miscellaneous Revenue Act of 1988
UNSCEAR — United Nations Scientific Committee on the Effects of Atomic Radiations
PERAB — President's Economic Recovery Advisory Board
UNHCHR — United Nations High Commissioner for Human Rights
DCAA — (U.S.) Defense Contract Audit Agency
GAO — Government Accounting Office
PPE — Property, Plant and Equipment
HAFA — Home Affordable Foreclosure Alternative program
ADR — Asset Depreciation Range (finance)
DESIPA — Department for Economic and Social Information and Policy Analysis
FRF — Financial Reporting Framework
ISO — Incentive Stock Option
JEC — Joint Economic Committee
FCCPA — Federal Consumer Credit Protection Act of 1968
DB — Defined Benefit (retirement Plan; For Example, A Pension)
PM — Performance Management
HFS — Hold for sale
QSF — Qualified Settlement Fund
MTB — Motor transportation broker
ALV — Average Lease Value (Cars)
ROU — Right of Use
ASEAN — Association of South East Asian Nations
AMTFTC — Alternative minimum tax foreign tax credit
NFFE — Nonfinancial foreign entity
IBEW — International Brotherhood of Electrical Workers
OCC — Office of the Comptroller of the Currency
CMA — Certified Management Accountant
NCSA — National Center for Supercomputing Applications
EA — Electronic Arts Inc (NASDAQ Stock Exchange [NASDAQ])
ATO — Administrative Time Off
CADR — Cash available for distribution before debt reduction

VAO — Virtual Acquisition Office
INA — Immigration and Naturalization Act
PBT — Profit Before Tax
SLOB — Separate Line of Business
UNCCD — United Nations Convention to Combat Desertification
CF — Cash Flow
PGI — Potential Gross Income
CAT — Commercial Activity Tax
UCI — Unemployment Compensation Insurance
AGT — Agent
EBRI — Employee Benefit Research Institute
MLD — Market-linked deposit
NCUA — National Credit Union Administration
COHRS — Central Office Human Resources Service
MSA — Merit Salary Adjustment
UNVFVT — United Nations Voluntary Fund for Victims of Torture
SPD — Summary Plan Description
BOI — Business Object Interface
ACP — Average Contribution Percentage
ITBAT — IT Budget Analysis Team
NNN — Net Net Net
AFC — Average fixed costs
CEA — Commodity Exchange Authority
DBO — Death Benefit Only
RESPA — Real Estate Settlement Procedures Act
EGI — Effective Gross Income
RR — Revenue Ruling
GPO — Guaranteed Purchase Option
TWA — Time Weighted Averages
ALBM — Automated Lending and Borrowing Mechanism
UNCCP — United Nations Conciliation Commission for Palestine
MBS — mortgage backed security
UPE — Unreimbursed Partnership Expenses
RO/RL — Rool on/roll off
CVLI — Cash Value Life Insurance
ACV — Account Current Value
HCM — Human Capital Management
CCI — Consumer Confidence Index
UNCC — United Nations Compensation Commission
NABA — National Association of Black Accountants, Inc.
OP — Order Point
ATB — Adjusted Trial Balance
IFC — International Finance Corporation
UNCSW — United Nations Commission on the Status of Women
YRT — Yearly Renewable Term
RAN — Revenue Anticipation Note
SB/SDB — Small Business/Small Disadvantaged Business
DDSN — Demand-driven supply networks
CLA — Cross-Licensing Agreement
EFW — Electronic Funds Withdrawal

FACCT — Foundation for Accountability
DMFAS — Debt Management and Financial Analysis System
BML — Bean Markup Language
CE&O — Customer education and outreach
FEA — Fair Employment Act
AET — Accumulated Earnings Tax
CCL — Center for Creative Leadership
WRLDWD — Worldwide
HDAPT — Hybrid domestic asset protection trust
GIC — Guaranteed Investment Contract
RSA — Rivest-Shamir-Adleman
UNCIVPOL — United Nations Civilian Police
PDA — Payday Advance Loan
ASTD — American Society for Training and Development
CRC — Committee on the Rights of the Child
LTI — Long-term incentive
CSCS — Computer Software Components
HRM — Human Resource Management
C2C — Customer to Customer
F/K/A — Formally known as
HPI — Human Poverty Index
CO — Compliance Officer
ADP — Applicable Distribution Period
ADS — Alternative Depreciation System
SMLLC — Single Member Limited Liability Company
CEA — Chief Enterprise Architect
ECAB — Employee's Compensation Appeals Board
FITW — Federal Income Tax Withholding
BIA — Business Impact Analysis
ABLOS — Advisory Board on the Law of the Sea
BRICS — Brazil, Russia, India, China and South Africa
TRASOP — Tax Reduction Act ESOP
PING — Pocket Internet Gopher
AD & D — Accidental Death and Dismemberment
UDITPA — Uniform Division of Income for Tax Purposes Act
SCA — Service Contract Act
SMSA — Standard Metropolitan Statistical Area
MTTR — Mean Time To Recovery
HP — Hewlett Packard's
SEP — Simplified Employee Pension
HHS — Health and Human Services Department
ACW — African Centre for Women
DOT — Dictionary of Occupational Titles
REA — Return on assets
ADI — Area of Dominant Influence
EDI — Electronic Date Interchange
CPHR — California Professional in Human Resources Certification
CHL — Customs house license
ROC — Rate of Change
VAT — Value-added taxes

GCOS — Global Climate Observing System (WMO, IOC, UNEP, and ICSU)
ICTY — International Criminal Tribunal for the Former Yugoslavia
BAT — Budget Advisory Team
VWAP — Value Weighted Average Price
NPA — Non-Performing Assets
NRI — Net Rising Index
LR — Labor Relations
QJSA — Qualified Joint and Survivor Annuity
SSI — Supplemental Security Income
ASPPA — American Society of Pension Professionals & Actuaries
CDFI — Community Development Financial Institution
DAF — Donor Advised Fund
LTD — Limited
CNS — Continuous Net Settlement
UNCT — United Nations Country Team
IAG — International Auditing Guidelines
AFB — American Farm Bureau, Inc.
PCAOB — Public Company Accounting Oversight Board
SUA — Convention for the Suppression of Unlawful Acts Against the Safety of Maritime Navigation
A&S — Accident and sickness insurance
CIA — Certified Internal Auditor (US)
HRD — Human Resource Development
VHA — Veterans Health Administration's
AAGR — Annual average growth rate
FIA — Federal Insurance Administration
DOM — Distributed Order Management
CEBS — Certified Employee Benefit Specialist
FMR — Fair Market Rental
CEBS — Certified Employee Benefits Specialist
NCCUSL — National Conference of Commissioners on Uniform State Laws
UNCDF — United Nations Capital Development Fund
IRP — Industry Risk Premium
SWOT — Strengths, Weaknesses, Opportunities and Threats
ESL — English as a second language
RCN — Replacement Cost New
UNCED — United Nations Conference on Environment and Development
HC — Humanitarian Coordinator
UNAFRI — United Nations African Institute for the Prevention of Crime and the Treatment of Offenders
CMSA — Consolidated Metropolitan Statistical Area
SARSEP — Salary Reduction Simplified Employee Pension Plan
POP — Public Offering Price
ISO — International Standard Organisation
QME — Qualified Medical Examiner
UNOGBIS — United Nations Peace-Building Support Office in Guinea-Bissau
FCB — Foote Cone & Belding
TESSA — Tax-Exempt Special Savings Account
EMV — Europay, Master Card and Visa
REMIC — Real Estate Mortgage Investment Conduit
RJP — Realistic Job Preview
AATF — Airport and Airway Trust Fund

ICGFI — International Consultative Group on Food Irradiation
HCTC — Health Coverage Tax Credit
UNOCHA — United Nations Office for the Coordination of Humanitarian Affairs
RWA — Risk Weighted Asset
MTL — Multi-Level Marketing
F2F — Face-to-Face Meeting
SAAR — Seasonally Adjusted Annual Rate
ATU — Annual Tax Unit
AML — Adjustable Mortgage Loan
CFOC — Chief Financial Officers Council
AFN — Additional Funds Needed
OCHA — Office for the Coordination of Humanitarian Affairs
UNEF — United Nations Emergency Force
QSPE — Qualified special purpose entity
EEOICPA — Energy Employee Occupational Illness Compensation Program Act
ICQ — Internal Control Questionnaire
GR — General Revenue
NIOSH — National Institute of Occupational Safety and Health's
CCPOQ — Consultative Committee on Programme and Operational Questions
PAM — Pledged Account Mortgage
IOS — International Organization for Standards
0DSAC — 90 days, same as cash
AIME — Average Index Monthly Earnings
QBU — Qualified Business Unit
FVO — Fair Value Option
SHRM — Society for Human Resource Management's
EAR — Export Administration Regulations
UTLZTN — Utilization
JTPA — Job Training Partnership Act
PTP — Publicly Traded Partnership
FAME — Facilities Maintenance Engineering
WRAEA — Workforce Reinvestment and Adult Education Act
HC — human capital
KSA — Knowledge, Skills, Abilities
(X) — Export
CPFFC — Cost-plus-fixed-fee contract
TC — Trusteeship Council (UN)
BPC — Business Planning Cycle
MSER — Multi-state Employer Registration
SDVOSB — Service-Disabled Veteran-Owned Small Business
ACABQ — Advisory Committee on Administrative and Budgetary Questions
BCFD — Billion Cubic Feet per Day
OD — Organizational Development
TSP — Thrift Savings Plan
ZBB — Zero-based budgeting
ITSM — Information Technology Service Management
WFC — World Food Council
LDI — Liability Driven Investment
NAC — National Acquisition Center
QPRT — Qualified Personal Residence Trust

VWAP — Volume-weighted average price
ESA — Employment Standards Administration
TIF — Tax Increment Financing
VUL — Variable Universal Life
NNTP — Network News Transport Protocol (ATM)
NRMLA — National Reverse Mortgage Lenders Association
SPE — Special Purpose Entity
PCE — Personal consumption expenditure; personal consumption expenditure deflator
P&G — Proctor and Gamble
CAPS — Convertible Adjustable Preferred Stock
EPROM — Electrically Programmable Read Only Memory
UNDAF — United Nations Development Assistance Framework
LHWCA — Longshore and Harbor Worker’s Compensation Act
ACRB — Architectural Change and Review Board
PSI — Performance Salary Increase
F&F — Furniture & Fixtures
WCEFA — World Conference on Education for All
SSUTA — Streamlined Sales and Use Tax Agreement
AFTS — Automatic Funds Transfer Services
ROFR — Right of First Refusal (finance)
TAB — Tax Anticipation Bill
INS — Immigration & Naturalization Service
HSBC — Household Bank Corporation
MBE — Mortgage banking enterprise
CPDO — Constant Proportion Debt Obligation
IRMAA — Income Related Medicare Adjustment Amount
ADP — Attention Dial Pulse
LAIA — Latin American Integration Association
ITAC — Information Technology Advisory Committee
MCC — Mortgage Credit Certificate
BPO — Bargain Purchase Option
CFM — Construction Facility Management
COSO — Committee of Sponsoring Organizations
AFE — Average Funds Employed
UNOMIL — United Nations Observer Mission In Liberia
SMA — Separately Managed Account
PE — Price to Earnings Ratio
FICCI — Federation of Indian Chamber of Commerce and Industry
FEI — Financial Executives Institute
FOK — Fill-or-kill order
CBL — Common Business Language
USRPHC — U.S. real property hodling corporation
OSSG — Office of the Spokesman for the Secretary-General
YAHOO — You Are Hazy Over Oranges
B&O — Business and Occupation
ACFR — Advisory Committee on Fishery Research
ERM — Enterprise Resource Management
CLU — Chartered Life Underwriter
NACM — National Association of Credit Management
NFTC — National Foreign Trade Council, Inc.

DVOP — Disabled Veterans Outreach Program
SCM — Supply Chain Management
SMM — Summary of material modifications
ABC — Audit Bureau of Circulations Inc.
IETC — International Environmental Technology Centre
UNCTAD — United Nations Conference on Trade and Development
SAT — Scholastic Aptitude Test
ICSC — International Civil Service Commission
GTL — Group Term Life Insurance.
NMFC — National Motor Freight Classification
CRAFT — Computerised Relative Allocation of Facilities Techniques
WTW — Welfare-to-Work
FAS — Financial Accounting Standards
WPP — Wire and Plastic Products
HWRP — Hydrology and Water Resources Programme
SME — Small- to medium-sized entities
OLA — Office of Legal Affairs
WIDER — United Nations University World Institute for Development Economics Research
UCR — Usual, Customary and Reasonable Fees
COLI — Cost of Living Index
MMC — Money market certificate of deposit
GASB — Governmental Accounting Standards Board
HROD — Human Resources and Organizational Development
TSA — Tax-sheltered annuity
USRPI — U.S. real property interest
ZAW — Zero Administration for Windows
SSVS — Statement on Standards for Valuation Services
GPHR — Global Professional in Human Resources
IAB — Internet Advertising Bureau
UNRISD — United Nations Research Institute for Social Development
SEPED — Social Development and Poverty Elimination Division
ESS — Employee Self-Service System
CFIA — Competency Framework for Internal Auditing
VXML — Voice eXtensible Markup Language
QNEC — Qualified nonelective contributions
CSO — Chief Security Officer
APB — Accounting Principles Board's
MSP — Managed Service Provider
UNOMIG — United Nations Observer Mission In Georgia
CIK — Central index keys
SFOR — Stabilization Force
MAGI — Modified Adjusted Gross Income
ITSD — Information Technology Services Division
UNOHCI — United Nations Office of the Humanitarian Coordinator for Iraq
EDA — Economically Depressed Area
Y/Y — Year-over-year
UIC — Unemployment Insurance Commission (Canada, archaic)
DNAMTI — Distributable Net Alternative Minimum Taxable Income
ILC — International Law Commission
ILO — International Labor Organization (UN)

IAS — International Accounting Standards
UNPD — United Nations Population Division
BET — Business entity tax
OOB — OOS out of business
VEBA — Voluntary Employees' Beneficiary Association
CSV — Cash Surrender Value
ETC — Estimate To Completion
DMB&B — D'arcy Masius Benton & Bowles
AMCD — Audit and Management Consulting Division
MEWA — Multiple Employer Welfare Arrangement
HRA — Health Reimbursement Account
SBRB — Small Business Research Board
ADAS — Associate Deputy Assistant Secretary
CSEMO — Corporate Senior Executive Management Office
3COM — Computer, Communications and Compatibility
COFI — Cost of Funds Index
NAPAT — National Association for Private Annuity Trusts
NRD — Normal Retirement Date
AE — Actual Expense
NAIC — National Association of Insurance Commissioners
OCBOA — Other Comprehensive Basis of Accounting
GSTP — Global System of Trade Preferences
SSBIC — Specialized Small Business Investment Company
ECM — Enterprise Content Management
FLP — Family Limited Partnership
VISN — Veterans Integrated Service Network
OR — Operations research
AC — Acceleration Clause
GEF — Global Environmental Facility (environment)
NDA — Nondisclosure Agreement
CBFA — Committee on Budget, Finance and Administration
SDD — Software Design and Development
ROC — Return on Capital
GLA — Gross Leaseable Area
BSNL — Bharath Sanchar Nigam Limited
GRID — Global Resource Information Database (UNEP)
TVI — Trade Value Index
C&I — Commercial and industrial customers (Electricity transmission)
PMV — Private Market Value
OTB — Off-Track Betting
CCPA — Consumer Credit Protection Act
COL — Cost Of Living
SBAP — Small Business Assistance Program
SRSG — Special Representative of the Secretary-General
VSOP — Very Special Old Pale
UNCITRAL — United Nations Commission On International Trade Law
NRF — National Retail Federation
ZEBRA — Zero-balance reimbursement account
ITS — Intermarket Trading System
UC — Unemployment Compensation

HRIS — Human Resource Information System
HRIS — Human Resources Information System
PIM — Product Information Management
GTOS — Global Terrestrial Observing System
BPO — Business Process Optimization
STF — Summary Tape File
UNCHS — United Nations Centre for Human Settlements
FCCC — For the Framework Convention on Climate Change
PIPE — Public investment in private equity
CPP — Cost Per rating Point
CSUM — Common Security User Manager
VOPAN — Voice Pitch Analysis
WRC — World Radiocommunication Conference
CEU — Continuing Education Unit
CHRC — Canadian Human Rights Commission
LTA — Long-Term Agreement
CCOP — Coordinating Committee for Coastal and Offshore Geoscience Programmes in East and South East Asia
HRA — Health Reimbursement Arrangement
SMI — Supplemental Medical Insurance (US Medicare Part B)
IAF — Inflation Adjustment Factor
AUI — Auxiliary Unit Interface
FMRR — Financial Management Rate of Return
HCA — head of contracting activity; humanitarian and civic assistance
PRP — Preferred Risk Policy
UNDHL — United Nations Dag Hammarskjölds Library
DAN — Depositor Account Number
QWL — Quality of Work Life
UNIPTF — United Nations International Police Task Force
TBC — To Be Contested
UNAMIR — United Nations Assistance Mission for Rwanda
FACT — Fair and Accurate Credit Transactions Act of 2003
D&B — Dun & Bradstreet
UNOSOM — United Nations Operation in Somalia
SWT — State witholding tax
ICM — Incentive Compensation Management
BRM — Business Reference Model
EMIF — Emerging Issues Task Force
MP3 — Moving Pictures Experts Group 1 Audio Layer 3
FASAC — Financial Accounting Standards Advisory Committee
ERM — Enterprise Risk Management
SDNP — Sustainable Development Networking Programme
CPE — Continuing Professional Educational
IDNDR — International Decade for Natural Disaster Reduction
UNCRD — United Nations Centre for Regional Development
TRNSFR — Transfer
S&L — Savings and Loan
IDS — Income Deposit Securities
PM — Profit Margin
UNSO — United Nations Sudano-Sahelian Office
LCL — Less than Carload Lot

UCR — Usual, customary, and reasonable
ATNOLD — Alternative Minimum Tax Net Operating Loss Deduction
CPC — Committee for Programme and Coordination
CSPN — College Savings Plan Network
CFC — Court of Federal Claims
FBAR — Foreign Bank & Financial Account
MCC — Merchant category codes
CGL — Comprehensive General Liability
CNC — Currently Not Collectible
MLA — Minimum Liquid Assets
ESOT — employee stock ownership trust
ESAF — Enhanced Structural Adjustment Facility
TTL — Total Linhas Aéreas
MOTO — Mail order-telephone order
NAVA — National Association for Variable Annuities
RFM — Rcency, Frequency, Monetary Analysis
ADP — Automatic Data Processor
GAGAS — Generally Accepted Government Accounting Standards
FRS — Functional Requirements Specifications
CCSQ — Consultative Committee on Substantive Questions
INSTRAW — International Research and Training Institute for the Advancement of Women
SHD — Sustainable Human Development
DTCC — Depository Trust & Clearing Corp
TOD — Transfer on death
IHRIM — International Association of Human Resource Information Management
SSDI — Social Security Disability Insurance
GSR — General Securities Representative
VOCC — Vessel Operating Common Carriers
UNIFIL — United Nations Interim Force In Lebanon
EAPA — Employee Assistance Professionals Association, Inc
GEENET — Global Environmental Epidemiology Network
UNSCOM — United Nations Special Commission for the Elimination of Iraq's Weapons of Mass Destruction
DPSP — Deferred Profit Sharing Plan
CODI — Cancellation of Debt Income
PT — Part-Time
KYC — Know-your-customer
SAS — Statement of Accounting Standards
GAAFR — Governmental Accounting, Auditing, and Financial Reporting
ALBCC — Account Level Budget Cost Center
FMOC — Federal Open Market Committee
GAAC — Government Accounting and Auditing Committee
CEA — Council of Economic Advisors
DOCO — Development Operations Coordination Office
WAI — Wealth Added Index
I-9 — I-9 Form
DWC — Days working capital
SBD — Small Disadvantaged Business
MHAEA — Mental Health and Addiction Equity Act
BRD — Business Requirements Documentation
QR — Quality Review

DAW — Division for the Advancement of Women
DUS — Dollar Unit Sampling
FASIT — Financial asset securitization investment trusts
ICRA — Investment Information and Credit Rating Agency
INCB — International Narcotics Control Board
USAA — United Services Automobile Association's
F&C — Free and Clear
IEC — Inter Exchange Carrier
OER — Owner's equivalent rent
A&I — Accident and Indemnity
AGGG — Advisory Group on Greenhouse Gases
BDI — Behavioral Description Interview
UNJSPF — United Nations Joint Staff Pension Fund
DFI — Derivative Financial Instrument
CEOSH — Center for Engineering & Occupational Safety and Health
UNOMUR — United Nations Observer Mission Uganda-Rwanda
IMR — Information Management Research
OCR — Overall Capitalization Rate
DIT — Deposit in Transit
STD — Short-term disability
LEI — Leading Economic Indicators
CPCU — Chartered property and casualty underwriter
SITC — Standard International Trade Classification
ECR — Executive Conference Room
SBA — Small Business Administrations
EPTA — Expanded Programme of Technical Assistance
LEAF — Logistics, Engineering, Acquisition, and Finance
RMBS — Residential mortgage backed securities
PPA — Pension Protection Act of 1987
OSBDU — Office of Small and Disadvantaged Business Utilization
M&A — Merger & Acquisition
CSA — Capital Support Agreements
UNTMIH — United Nations Transitional Mission in Haiti
ECN — Electronic Communications Network
UTC — Uniform Trust Code
BAA — Business Associate Agreement
EBO — Employee Buyout
CBI — Compliance and Business Integrity
A/S — Account sales
FEIN — Federal Employment Identification Number
ABS — Asset Based Securitization
SOV — Share Of Voice
OI&T — Office of Information and Technology
L/V — Loan-to-value ratio
NCCI — National Council on Compensation Insurance
OR — Operating revenue
UNTAC — United Nations Transitional Authority in Cambodia
EAC — Employee Advisory Committee
P&I — Principle and interest payment
SPAC — Special-purpose acquisition company

AWW — average weekly wage
IFEBP — International Foundation of Employee Benefit Plans
PFR — Portable Font Resource
CPI-W — Consumer Price Index for Urban Wage Earners and Clerical Workers
HCSA — Health Care Spending Account
CAPP — Cash Account Pension Plan
DII — Days in Inventory
NABARD — National Bank for Agricultural and Rural Development
LLDIE — Limited life debt investment entity
UNOMSA — United Nations Observer Mission in South Africa
TPRB — Trade Policy Review Body
ITMRA — Information Technology Management Reform Act (Part of the Clinger-Cohen Act)
CEA — Certificate of Educational Achievement
WHD — World Habitat Day
DSPE — Deputy Senior Procurement Executive Known
ITLO — Information Technology Logistics Office
URLA — Uniform Residential Loan Application
COP — Conference of the Parties
NEO — New and Emerging Occupations
DTP — Data Transfer Program
LLTC — Limited liability trust company
FAAS — Financial Assurance and Accountability Standards
WARN — Worker Adjustment and Retraining Notification Act of 1988
CPO — Chief of Purchasing Office
C&D — Cease and Desist
TALF — Term Asset-Backed Securities Loan Facility
PJ — Purchases journal
VEVRA — Vietnam-Era Veterans Readjustment Act
SECA — Self-Employment Contributions Act
RIPA — Retirement Income Policy Act
SRPM — Stated Redemption Price at Maturity
WKLY — Weekly
UNDCP — United Nations International Drug Control Programme
NFIB — National Federation of Independent Business
PTAC — Procurement Technical Assistance Center
COE — Certificate of Eligibility
SIFMA — Securities Industry and Financial Markets Association
QTIP — Qualified Terminable Interest Property
LCC — Life Cycle Cost
ACII — American Association of Individual Investors
FALD — United Nations Field Administration and Logistics Division
ULPA — Uniform Limited Partnership Act
FSP — FASB Staff Position
SBBA — Sales and Buy-Back Agreement
ASCI — Advertising & Standards Council of India
RFA — Regulatory Flexibility Act (US)
ISM — Interactive Studio Management
FMC — Federal Maritime Commission's
CHRC — Criminal History Records Check
BCA — Board of Contract Appeals

CIPP/G — Certified Information Privacy Professional/Government
UNITAR — United Nations Institute for Training and Research
IGE — Intergovernmental Group of Experts
HCO — Health Care Organization
TN — Temporary Visa
EOLI — Employer owned life insurance
SLA — Share lending agreement
LMA — Labor Market Area
BHC — Bank Holding Company
GAO — General Accountability Office
PWBA — Pension and Welfare Benefits Administration
CE — Continuing Education
IFOR — Implementation Force
GINA — Genetic Information Nondiscrimination Act of 2007
CCHR — Canadian Council on Human Resources
TPA — Third Party Administrator
BIRLS — Beneficiary Identification Records Locator Subsystem
P/E — Price-to-earnings ratio
MOF — Ministry Of Finance
OGC — Office of the General Counsel
USOA — Uniform system of accounts
LMI — Lender's mortage insurance
SFAS — Statements of Financial Accounting Standards
WHCRA — Women’s Health and Cancer Rights Act of 1998
MST — Marketable Securities Tax
ARS — Auction Rate Securities
CWHSSA — Contract Work Hours and Safety Standards Act
NPL — Nonperforming loan
ASR — Accelerated Stock Repurchase
BAT — Business Action Theory
DITE — Division on Investment, Technology and Enterprise Development
DBIC — Data Base Integration Committee
NPT — Non-Proliferation Treaty
USPAP — Uniform Standards of Professional Appraisal Practice
CPP — Consumer Preferences and Policy
IRD — Income in respect of a decedent
TPS — Transaction processing services
AGFFA — Advisory Group on Financial Flows to Africa
AIC — Architecture and Infrastructure Committee
CAA — Congressional Accountability Act
XML — Extended Markup Language
ODCF — Owner's Discretionary Cash Flow
HRMS — Human Resource Management System
MUD — Multiple User Dungeon
PEC — Potential earnings converted
IAPSO — Inter-Agency Procurement Services Office
DAP — Direct Access Program
UNOVER — United Nations Observer Mission to Verify the Referendum in Eritrea
INC. — Incorporated
WCC — World Climate Conference

SITW — State income tax withholding
EECB — Executive E-mail Carpet Bomb
TEA — Technology-enabled auditing
EMP — Environmental Planning and Management
MPPAA — Multiemployer Pension Plan Amendments Act
ASHHRA — American Society for Healthcare Human Resources Administration
SSBCI — State Small Business Credit Initiative
AAA — Authentication, Authorization & Access
UNFCCC — United Nations Framework Convention on Climate Change
GAW — Global Atmosphere Watch (WMO)
NIPA — National income and product accounts
FRA — Federal Reserve Act
BPM — business process management
LRO — Labor Relations Officer
IPA — Inflation Protected Annuity
GMIB — Guaranteed Minimum Income Benefit
CHFC — Chartered Financial Consultant
WHYCOS — World Hydrological Cycle Observing System
OFCCP — Office of Federal Contract Compliance Programs
IBC — Independent Breweries Company (original manufacturer of IBC Root Beer)
OCP — Overland Common Point
CSR — Corporate Social Responsibilty
CTI — Computer/Telephone Integration
BNIB — Business Needs and Investment Board
FSA — Farm Service Agency
HRCI — Human Resource Certification Institute
ILC — Industrial Loan Company
MDIB — Minimum Distribution Incidental Benefit
ISO — Independent Sales Organization
TDB — Temporary Disability Benefits
EDGAR — Electronic Data Gathering, Analysis and Retrieval
IDB — Industrial Development Bond
BEIT — Business Enterprise Income Tax
TILA — Truth In Lending Act
UNZAP — United Nations Zambia Assistance Programme
HQS — Housing Quality Standards
ASBL — American Small Business League
EPA — Expanded Programme of Assistance
LTC — Long-Term Care
BCAG — Business Community Advisory Group
SBLF — Small Business Lending Fund
AFN — Annual Funding Notice
GEM — Growing Equity Mortgage
UNOMSIL — United Nations Observer Mission in Sierra Leone
DBPP — Defined Benefit Pension Plan
ADA — Associate Deputy Administrator
SSD — Social Security Disability
GRC — Goverance, risk and compliance
UNDAW — United Nations Division for the Advancement of Women
ITAM — IT asset management

VBIA — Veterans Benefits Improvement Act of 2004
UNMACC — United Nations Mine Action Coordination Centre
JPO — Junior Professional Officer
FLC — Foreign Labor Certification
SPHR — Senior Professional Human Resources
MSRB — Municipal Securities Rulemaking Board
NSBA — National Small Business Association
VA — Variable Annuity
HCIP — Harmonized Index of Consumer Pricing
TUR — Total Unemployment Rates
QIE — Domestically controlled qualified investment entity
IBDOEI — Income before discontinued operations and extraordinary items
ACLI — American Council of Life Insurance
PCS — Post-contract customer support
VOB — Veteran-Owned Business
IDB — Industrial Development Board
UNSMIH — United Nations Support Mission In Haiti
LINTAS — Levers International Advertising Services
MTNL — Mahanagar Telephone Nigam Limited
DSI — Discretionary Salary Increase
CRPC — Chartered Retirement Planning Counselor
BLBA — Black Lunch Benefits Act
HRLY — Hourly
SHOP — Small Business Health Options Program
CUM DIV — Cumulative dividend
UNL — Universal Networking Language
LEO — Long-term Equity Options
ING — Internationale Nederlanden Group (a Financial Company)
EDA — Economic Development Administration's
AFSCME — American Federation of State, County and Municipal Employers
UNV — United Nations Volunteers Programme
GPML — Global Programme Against Money Laundering
DEFRA — Deficit Reduction Act
NAO — National Administrative Offices
D/L — Demand loan
SIC — Standard industrial clssification
CHB — Custom House Broker
EBP — Employee Benefits Plan
DGAACS — Department of General Assembly Affairs and Conference Services
GIWA — Global International Waters Assessment
ROTC — Reserve Officer Training Corporation
PBA — Pending bank approval
RDMHQ — Rapidly Deployable Mission Headquarters
WCP — World Climate Programme (WMO/ICSU)
CS — Cost-Sharing
HARP — Home Affordable Refinance Program
FPO — Fruit Products Order
USTC — United States Tax Court
UNISTE — United Nations International Symposium on Trade Efficiency
UAW — United Auto Workers

LLIC — Limited liability investment company
CTJ — Citizens for Tax Justice/Institute on Taxation and Economic Policy
UNTEA — United Nations Temporary Executive Authority
HVCC — Home Valuation Code of Conduct (mortgage and appraisal industry)
ZEN — Zero Engine Noise
AWL — Actual Wage Loss
ARR — Average Rate of Return
AC — Associate Chief of Staff
GAW — Guaranteed Annual Wage
ELI — Equity Linked Investments
NMHPA — Newborns’ and Mothers’ Health Protection Act
APIC — Additional paid-in capital
UNLTC — United Nations Military Liaison Team in Cambodia
IFUP — International Forum on Urban Poverty
TA — Technology Assessment
ARB — Accident Review Board
NASDR — National Association of Securities Dealers Regulation
IREA — Intermountain Rural Electric Association
ARD — Actual retirement date
MSPR — Medicare Secondary Payer Rules
SLS — Sales
EFTA — European Free Trade Area
UNMIBH — United Nations Mission in Bosnia and Herzegovina
BAN — Bank anticipation notes
TOFC — Trailer On Flat Car
NASBA — National Association of State Boards of Accountancy
KMI — Knowledge Management Initiative
J&S — Joint and Survivorship
EIC — Earned Income Tax Credit
TAT — Total asset turnover
IEFR — International Emergency Food Reserve
UNOG — United Nations Office at Geneva
PCE — Pre-existing Condition Exclusion
MSI — Multiple Streams of Income
BIOLAC — United Nations University Programme for Biotechnology in Latin America and the Caribbean
VBA — Veterans Benefit Administration
E&P — Earnings & Profits
NCAO — National Cemetery Area Office
FWCW — United Nations Fourth World Conference on Women
QE — Quarter Ending
SBJPA — Small Business Job Protection Act of 1996
APOC — Administrative Point of Contact
LC — Limited Company
SPX — Standard and Poor’s Index
LAC — Division for Latin America and the Caribbean
UDR — Unused development rights
RET — Retirement earnings test
C&A — Certification & Authority
PE — Printer Error
CRSR — Congressional Research Service Report

IASA — Internation Air Shipper's Association
CSVLI — Cash surrender value life insurance
FO — Foreign to occupation
FMHA — Farmers Home Administration
NRA — Non-Resident Alien
PEP — Personal Exemption Phaseout
NAAEC — North American Agreement on Environmental Cooperation
OOH — Occupational Outlook Handbook
STOLI — Stranger-originated life insurance
JAIN — Joint American Indian Network
FAC-C — Federal Acquisition Certification in Contracting
MTM — Market to Market
ITC — International Trade Center
CISC — Common Instruction Set Computer
ILM — Industrial Light and Magic, Inc.
CRM — Credit Risk Management
DSW — Discount Shoe Warehouse
OSDBU — Office of Small and Disadvantaged Business Utilization
CFBT — Cash flow before taxes
DBA — Davis-Bacon Act
EM — Emergency Loan Program
SOBO — Small Office Business Office
SEPHA — Special Emergency Programme for the Horn of Africa
UNCJIN — United Nations Crime and Justice Information Network
MOD — Manufacturing on demand
COPICS — Communication Oriented Production and Information Control System
R/E — Retained earnings
UNCA — United Nations Correspondents Association
DUA — Disaster Unemployment Assistance
BCS — Business Case Study
BQ — Best Qualified
UNFALD — United Nations Field Administration and Logistics Division
CEHIST — Center for Evaluation of Healthcare Information Systems & Technology
ODCCP — United Nations Office for Drug Control and Crime Prevention
POCS — Points of Contact
LCD — Labor Cost Distribution
CDS — Credit default swaps
UNTAES — United Nations Transitional Administration for Eastern Slavonia, Baranja and Western Sirmium
EB — Extended Benefits
B2C — Business to Citizen
GWAC — Government Wide Acquisition Contract
NAEA — National Association of Enrolled Agents
UNSC — United Nations Security Council
DRPC — Division for Resources Planning and Coordination
USCIS — U.S. Citizenship and Immigration Service
LDP — Last Day Paid
EBRI — Employee Benefits Research Institute
PCM — Percentage-of-completion method
PMSA — Primary Metropolitan Statistical Area
ISMUN — International Student Movement for the United Nations

TAA — Trade Adjustment Act
IRB — Internal Revenue Bulletin
SAM — System for Award Management
CEIS — Corporate Executive Information System
DAC — Delivery Against Cost
UNMAS — United Nations Mine Action Service
ALBRS — Automated Lending and Borrowing in Rolling Settlement
XFRML — XML based Financial Reporting Markup Language
A&A — Advisory & Assistance
FPM — Flexible Payment Mortgage
CCISUA — Coordinating Committee of International Staff Unions and Associations of the United Nations System
STIP — Short-Term Industry Projections
BOC — Business Operations Committee
MBA — Masters of Business Administration
DDB — Doyle Dane Bernbach
DGFT — Director General of Foreign Trade
IACWGE — Inter-Agency Committee on Women and Gender Equity
CFRS — Carry Forward in Rolling Settlement
JCT — Joint Committee on Taxation
DK — Dorling Kindersley
ALC — Agency Location Code
FSR — Financial Strength Rating
SDCF — Sellers Discretionary Cash Flow
SBIR — Small Business Innovation and Research
FUNSA — Federation of Staff Association of the United Nations and its Specialized Agencies
UNSD — United Nations Statistic Division
SSOP — Second Surgical Opinion Program
MTHLY — monthly
ESP — Exchange Stock Portfolio
DM — Department of Management
ITC — Information Technology Conference
PVT — Persons Viewing Television
QREC — Quality Review Executive Committee
IIOP — Internet Inter operable ORB Protocol
SSARS — Statement on Standards for Accounting and Review Services
UNIDO — United Nations Industrial Development Organization
AA — Average Audience
CAMPS — Cumulative Auction Market Preferred Stock
FOF — Fund of Funds
SBI — Site Build It
ICDC — International Child Development Centre
ODPR — Office for Displaced Persons and Refugees
UFW — United Farm Workers
USERRA — Uniform Services Employment and Reemployment Rights Act
CDR — Centre for Documentation and Research
LDC — Low Death Conflict
EPLI — Employee practices liability insurance
SDVOB — Service-disabled veteran owned business
SLE — Single lease expense
MSB — Money Service Businesses

SRO — Self Regulatory Organization
CBRS — Currency banking and retrieval system
REG. — Regulation
SLA — Supplemental Lease Agreements
NATP — National Association of Tax Professionals
CCM — Completed Contract Method
BPC — Budget Priority Committee
NRA — Normal Retirement Age
EBSA — Employee Benefit Security Administration's
ISBA — International Seabed Area
CBHCO — Community-Based Health Care Organization
FT — Full-Time
VAL. — Value
OIP — Office of the Iraq Programme
UNMOT — United Nations Mission of Observers in Tajikistan
ALA — American Legion Auxiliary
PTA — Preferential Trade Arrangement
VWPX — Volume Weighted Price Uncrossing
IUC — Information Unit for Conventions
DUSHOM — Deputy Under Secretary for Health for Operations and Management
AMC — Appraisal Management Companies
VRM — Variable Rate Mortgage
RDC — Remote Deposit Capture
GMP — Guaranteed Maximum Price
A&A — Assessment and Accreditation
PIA — Primary Insurance Amount
DWC — Division of Workers Compensation
UI — Unemployment Insurance
CESCR — Convention on Economic, Social and Cultural Rights
IQPA — Independent Qualified Public Accountant
IPS — Inflation Protected Security
UNPD — United Nations Procurement Division
PE — Pass-through entity
FSB — Fortune Small Business
D2D — Developer to Developer
IDS — International Development Strategy
ICS — Information Centres Services
UNMIH — United Nations Mission In Haiti
CCR — Central Contractor Registeration
WBG — World Bank Group
UNREO — United Nations Rwanda Emergency Office
I&A — Interest and amortization
UNIDIR — United Nations Institute for Disarmament Research
ULP — Unfair Labour Practices
GIPS — Global Investment Policy Standards
USM — Unlisted Securities Market
OC — Opportunity Cost
PRA — Paperwork Reduction Act of 1980
PM PAR — Program Management Policy, Assessment, and Reporting
DIMA — Division of Information Management and Analysis

SDA — Self-directed brokerage account
LTD — Long Term Insurance
ESOT — Employee Stock Ownership and Trust
COBRA — Common Object Request Broker Architecture
SSTP — Streamlined Sales Tax Project
JAN — Job Accommodation Network's
DPGA — Deferred Payment Gift Annuity
WIA — Workforce Investment Act
SDE — Service Delivery and Engineering
ICC — International Chamber of Commerce
QR — Quarterly Report
TCPC — Technical Committee for Programme and Coordination
CEIT — Comprehensive business income tax
FEP — Fair Employment Practices
DUSB — Deputy Undersecretary for Benefits
MSPA — Migrant and Seasonal Agriculture Worker Protection Act
PAR — Public Accounting Report
GCT — General Corporation Tax
ASF — American Securitization Forum
IOLTA — Interest on Lawyer's Trust Account
B&N — Barnes and Noble
FEP — Fair employment practice
CCH — Commerce Clearing House
CFC — Chartered Financial Consultant
BCBS — Blue Cross/Blue Shield
IMRO — Investment Management Regulatory Organisation
SBC — Summary of Benefits and Coverage
NAALC — North American Agreement on Labor Cooperation
NCO — Net chargeoffs
LTCG — Long-term capital gain
EPAU — Evaluation and Policy Analysis Unit
OL — Operating Liabilities
EAP — Employee Assistance Plan
VOSB — Veteran-Owned Small Business
BRB — Benefit Review Board
PFK — Pay-for-knowledge-and-skills plans
BREP — Business Requirements Engineering Process
NRV — Net recoverable value
DSPD — Division for Social Policy and Development
SSNVS — Social Security Number Verification System
CALS — Continuous Acquisition Lifecycle Support
CBO — Chief Business Office
KSA — Knowledge Skills or Abilities
FYE — Fiscal year ended
ODDS — Online Data Delivery System
LDW — Last Day Worked
CSA — Common Services Architecture
POC — Pacific Operations Centre
PPA — Paperwork Reduction Act
POB — Public Oversights Board

COAS — Clinical Observation Access Control
GAS — Governmental Accounting Standards
KFOR — UN Kosovo Force
FABS — Financial and Business Solutions
PERC — Premiums, earnings and reasonable charges
OIS — Occupations Information System
USC — United States Code
WPPDA — Welfare and Pension Plan Disclosure Act
OHCA — Organized Health Care Arrangement
EPLI — Employment Practices Liability Insurance
UNAVEM — United Nations Angola Verification Mission
OIS — Overnight Index Swaps
MSFW — Migrant and Seasonal Farm Worker
SMES — Small- and medium-scale enterprises
E/M — Evaluation and Management
PDA — Public Displays of Affection
SMB — Small- to medium-sized business
OES — Occupational Employment Statistics
FELA — Federal Employment Liability Act
BKPR — Be Kind, Please Rewind
UNIPOM — United Nations India-Pakistan Observation Mission
RFB — Request For Bid
CBA — Controlled Business Arrangement
CCAQ(PER) — Consultative Committee on Administrative Questions (Personnel and General Administrative Questions)
CRISIL — Credit Rating Investment Services India Limited
USPTO — U.S. Patent and Trademark Office
AETF — African Emergency Task Force
SNT — Supplemental Needs Trust
ASSE — American Society of Safety Engineers-Professional
RTN — Routing Transit Number
GST — Generation-Skipping Transfer
B.S. — Bachelor of Science
SV — Salvage value
DFS — Dancer Fitzerald Sample
VOC-REHAB — Vocational Rehabilitation
UNIC — United Nations Information Centre
SFO — Solicitatio for offers
CI — Control Item
SAAR — Seasonally Adjusted Annualized Rate
UNDG — United Nations Development Group
UNPROFOR — United Nations Protection Force (in Former Yugoslavia)
EPPG — Emergency Prevention and Preparedness Group
DBIA — Database Integration Agreement
SEDR — Systems Engineering and Design Review
EAO — Executive and Administrative Office
FIRPTA — Foreign Investment in Real Property Tax Act
UNAIDS — Joint United Nations Programme on HIV/ Acquired Immune Deficiency Syndrome
CIP — Capital Investment Process
D&O — Directors and Officers Liability
CEFU — Continuing Education Field Unit

AGFUND — Arab Gulf Programme for United Nations Development Organizations
SAMS — Systemic Advocacy Management System
WPRO — Western Pacific Regional Office
OM — Options Market
NUA — Net Unrealized Appreciation
T/B — Trial balance
CDARS — Certificate of Account Registry Service
ICDAIT — International Conference on Drug Abuse and Illicit Trafficing
BA — Business Architecture
AIR — Assumed Investment Rate
UNTAET — United Nations Transitional Administration in East Timor
PCB — Programme Coordination Board
QTD — Qualified Total Distribution
LOR — Letter Of Response
OTI — OSHA Training Institute
CSP — Certified Speaking Professional
DRC — Deficit Reduction Contribution
RI — Royalty Interest
SST — Streamline Sales and Use Tax Agreement
COSVA — Chief of Staff
POD — Professional & Organizational Development
CTI — Category, Type, Item
UNHQ — United Nations Headquarters
PBM — Pharmacy Benefits Management (or Manager)
B2C — Business to Comerce
SPFS — Special Programme for Food Security
USCIS — US Citizenship and Immigration Services
GEMS — Global Environment Monitoring System
UNSCO — Office of the United Nations Special Coordinator for the Middle East
SEAROWHO — Regional Office for South-East Asia Region
JRPU — Joint Reintegration Programming Unit
BIMS — Business Information Management Suite
VLI — Variable Life Insurance
AIMS — Advertising and Integrated Marketing Solutions
GWG — Gender Working Group
EPRS — Emergency Preparedness and Response Section
FRN — Floating rate notes
IUR — Insured Unemployment Rates
KMI — Key Man Insurance
OSDC — Over/Short/Damage/Claims
MHPA — Mental Health Parity Act of 1996
STSFCTN — Satisfaction
ECDC — Economic Cooperation Among Developing Countries
PWC — Public Works Commission
IAAS — Infrastructure as a Service
TEUC — Temporary Extended Unemployment Compensation
JECFA — Joint Expert Committee on Food Additives
CFO — Chief Financial/Fiscal Officer
DUZ — Designated User
COSG — Collaborative Opportunities Steering Group

PBC — Programme and Budget Committee
PKO — Peace-Keeping Operation
TCOE — Total Cost of Equity
RPO — Recruitment process outsourcing
CCC — Commodity Credit Corporation
SROI — Subsequent Report of Injury
UMB — United Missouri Bank
GAP — Gross amount paid
NVSBE — National Veterans Small Business Engagement
OEBS — Office of Employee Benefits Security
DNA — Distributed Internet Application Architecture
DOBI — Department of Defense Instruction
MOC — Market On Close
FMSHA — Federal Mine and Safety Health Act
DDB — Deemed death benefit
BV — Book value
RELP — Real Estate Limited Partnership
IMFL — Indian-Made Foreign Liquor
COFI — Committee on Fisheries
CAO — Contract Administration Office
GPRS — General Packet Radio System
NVCA — National Venture Captial Association
PD — Procurement Division
CFS — Committee on World Food Security
RA — Resident Alien
TCDC — Technical Cooperation among Developing Countries
UNMOGIP — United Nations Military Observer Group In India & Pakistan
FERS — Federal Employees Retirement System
WMU — World Maritime University
EBS — Employee Benefits Security
PL — Profit and Loss
CTFA — Certified trust & financial advisor
UNOPS — United Nations Office for Project Services
TL — Time & Labor
LTI — Lead Time Interval
OAR — Overall Rate Of Return
ERD — Emergency Response Division
USD — US Dollars
JSSA — Jury Selection and Service Act
SCIN — Self-canceling installment note
VOC-ED — Vocational Education
HR — Headquarters Regulation
TIC — Tenant In Common
FCIC — Financial Crisis Inquiry Commission
CUNA — Credit Union National Assocation
CVE — Center for Verification and Evaluation
GIST — Graphics and Intelligence based Script Technology
MACC — Mine Action Coordination Centre
UNMOVIC — United Nations Monitoring, Verification and Inspection Commission
FSA — Flexible Spending Arrangement

ASB — Auditing Standards Board's
PTSD — Post Traumatic Stress Syndrome
FCA — Division for Finances, Control and Administration
LAUS — Local Area Unemployment Statistics
UNMO — United Nations Military Observers
UNOB — United Nations Office in Burundi
CFPB — Consumer Finance Protection Bureau
BOY — Beginning of Year Violator
UNOV — United Nations Office at Vienna
BPO — Broker Price Opinion
FSET — Federal State Employment Taxes
DBM — Disruptive Behavior Management
HUT — Households Using Television
SEES — Survey Evaluation Exam System
BRM — Business Relationship Meeting
DBB — Design-bid-build
HTTP — Hyper Text Transport Protocol
UNIS — United Nations Information Service
PUT — Persons Using Television
VPFC — Variable Prepaid Forward Contract
INWEH — United Nations University International Network on Water, Environment and Health
CCSQ(PROG) — Consultative Committee on Substantive Questions (Programme Matters)
MINX — Multimedia Information Network Exchange (system)
A/O — Administrative Offices
SUB — Supplemental Unemployment Benefit
WRHSE — Warehouse
UNOGIL — United Nations Observation Group In Lebanon
FS — Forest Service (USDA)
BB — Base Benefits
CHS — Commission on Human Settlements
WCB — Workers Compensation Board
UNIS — United Nations International School
EOSG — Executive Office of the Secretary-General
BRSP — Bureau for Resources and Strategic Planning
LOC — Letter of Comment
PA — Public Accountant
CSO — Cyber Security Office
CSD — Commission on Sustainable Development's
IPECILO — International Programme for the Elimination of Child Labour
UNSECOORD — Office of the United Nations Security Coordinator
CRA — Credit Rating Agency
EIA — Equity Indexed Annuity
PL/PD — Personal liability/property damage
IIST — United Nations University International Institute for Software Technology
IAG — International Advisory Group
PIRG — Public Interest Research Group
UNAMSIL — United Nations Mission In Sierra Leone
VPT — Volume Price Trend
REA — Retirement Equity Act
UNSF — United Nations Security Force in West New Guinea

EBX — Electronics Boutique X
UNPA — United Nations Protected Area
VRP — Variable Rate Premium
INRA — United Nations University Institute for Natural Resources in Africa
BDC — Business Development Council
UNEP-IE — United Nations Environment Programme Industry and Environment Centre
NDNH — National Directory New Hires
LTC — Long-Term Care
SLOB — Separate lines of business
OEL — Offshore Employee Leasing
NOLD — Net Operating Loss Deduction
ATNOL — Alternative Minimum Tax Net Operating Loss
TIFF — Tagged Interface File Format
FUA — Federal Unemployment Account
SPE — Senior Procurement Executive
TRD — Trade Relations Division
DESA — Department of Economic and Social Affairs
BSAD — Baseline System Architecture Document
QCR — Quarterly Contributions Report
PCNICC — Preparatory Commission for the International Criminal Court
NAP — Noninsured Crop Disaster Assistance Program
R&C — Reasonable and Customary
UNAT — United Nations Administrative Tribunal
NE — Non-Exempt
EMROWHO — Regional Office for the Eastern Mediterranean
AR — Architecture Requirements
HRIS — Human Resources Information Service
DEC — Deductible voluntary employee contributions
PEPPRA — Public Employee Pension Plan. Reporting and Accountability Act
NOIDA — New Okhla Industrial Development Authority
DR. — Debit
SPDC — Special Political and Decolonization Committee
RIM — Retail Inventory Method
SSDI — Social Security Disability Indemnity
DSA — Disaster Debt Set-Aside Program
WCC — Working capital cycle
MFST — Manifest
BOP — businessowners policy
WDC — Workforce Development Center
JVC — Japan's Victor Company
NST — National Sales Tax
NRET — Non-Resident Withholding Tax
TPD — Third-party designee
UNON — United Nations Office at Nairobi
UNPA — United Nations Postal Administration
KFC — Kentucy Fried Chicken
CWSP — College Work-Study Program
EHLP — Emergency Homeowners Loan Program
XUL — eXtensible UserInterface Language
ATP — Acquisition Training Program

UNTAG — United Nations Transition Assistance Group
ODF — OpenDocument Format
HDRO — Human Development Report Office
CPS — Core Products and Services
POP — Point-of-purchase
HAC — Health Administration Center
POS — Point-of-sale
VCL — Vacancy and collection losses
NTFO — Nationwide Tax Forums Online
ERCI — Employee Relocation Council Institute
BEST — BrihnanMumbai Electric Supply and Transport
IPMA — International Personnel Management Association
HOW — Homeowner Warranty Plan
NQPS — Nonqualified preferred stock
AFROWHO — Regional Office for Africa
USENET — USEr NETwork
CEC — Continuing Education Center
EAT — Exchange Accommodation Titleholder
LOW — Lack of Work
UNMIK — United Nations Interim Administration Mission in Kosovo
UNASOG — United Nations Aouzou Strip Observer Group
SWA — State Workforce Agencies
HRC — Health Resource Center
PPBD — Programme Planning and Budget Division
SUTCDC — Special Unit for Technical Cooperation Among Developing Countries
NIB — New In the Box
CBC — Community Based Outpatient Clinic
NYMEX — New York Metal Exchange
MDA — Market development funds
HRC — Historic Rehabilitation Credit
CCA — Consolidated Contracting Activity
WOSB — Woman-Owned Small Business
JPAC — Joint Public Advisory Committee
HB — House B ill
UNTPDC — United NationsTrade Point Development Centre
NBIA — National Business Incumbation Association
N/P — Note payable
TAC — Technology Assessment Committee
UNJSPB — United Nations Joint Staff Pension Board
EMA — Expense Management Automation
MW — minimum weight
TDB — Trade and Development Board
BAT — Bureau of Apprenticeship and Training
DI — Debt instrument
IPI — Industrial Protection Index
UNHSP — United Nations Human Settlements Programme
K/A — Known as
CBD — Chief Benefits Director
SEBI — Securities Exchange Board of India
UNDOC — United Nations Documents Index

OASI — Old Age Survivors Insurance
BKPR — Bookeeper
CCC — Cost Containment Center
MEC — Minimum essential coverage
HUDCO — Housing and Urban Development Corporation Limited
ICE — Internal control evaluation
OTR — Office of Thrift Supervision
SOYD — Sum-of-the-years-digits
SVNGS — Savings
INTECH — United Nations University Institute for New Technologies
CSCIS — Computer Software Configuration Items
NABE — National Association for Business Economics
MGIC — Mortgage Guarantee Insurance Company
CO — Contracting Officer
D/N — Demand note
UNCPCJP — United Nations Crime Prevention and Criminal Justice Programme
CPTAL — Capital
PCE — Private Commercial Enterprise
CONGO — Conference on Non-Governmental Organizations
GLSO — Group Legal Services Organization
CORTS — Corporate-backed trust securities
NCAER — National Council for Applied Economic Research
NSTA — National Securities Trade Association
UNROAP — United Nations Regional Office for Asia and the Pacific
CIFR — Committee on Improvements to Financial Reporting
TP — Technical Proposal
POPIN — United Nations Population Information Network
SEPPAA — Single Employer Pension Plan Amendments Act
ITOC — Information Technology Oversight & Compliance
NBB — New Belgium Brewery
NAWW — National Average Weekly Wages
UNTSO — United Nations Truce Supervision Organization
CARDS — Custom Adjustable Rate Debt Structure
UNAMA — United Nations Assistance Mission to Afghanistan
RMA — Restricted management account
EMT — Executive Management Team
UNMOP — United Nations Mission of Observers in Prevlaka
PFA — Platform for Action
MRAM — Magnetic Random Access Memory
EFAST — ERISA Filing Acceptance System
RE — Residual Earnings
UNFIP — United Nations Fund for International Partnerships
COAG — Committee on Agriculture
VAAR — Department of Veterans Affairs Acquisition Regulation
ETR — United Nations Education and Training Programme
SJ — Sales Journal
CC — Copy To
NR — Not Rated
UNGEGN — United Nations Group of Experts on Geographical Names
MF — Medical Facilities

DSRSG — Deputy Special Representative of the Secretary-General
ZBA — Zero-Balance Account
SOS — Switched On Schoolhouse
SIPA — Securities Investment Protection Act
FTR — family tracing and reintegration
HEP — Humanitarian Evacuation Programme
WBC — Women Business Center
UNGIWG — United Nations Geographic Information Working Group
STW — School-To-Work
CCP — Collateralized commercial paper
HMO — Health Maintenance Organisation
SYSTEM — Save YourSelf Time, Engergy, and Money (as reported by www.just15minutes.com)
CCR — Central Contracting Registry
WOTC — Workforce Opportunity Tax Credit
QAIP — Quality Assurance and Improvement Plan
IAS — United Nations University Institute of Advanced Studies
UNPAAERD — United Nations Programme of Action for African Economic Recovery and Development
NSDL — National Securities Depository Limited
COD — Country Operations Division
UNRCPDA — United Nations Regional Centre for Peace and Disarmament in Africa
CORBAIIOP — CORBA Internet Inter ORB Protocol
PDM — Program Decision Maker
SEI — Software Engineering and Integration
GNC — General Nutrition Centers
HEA — Health Enterprise Architecture
UNOMA — United Nations Observer Mission in Angola
SARD — Sustainable Agriculture and Rural Development
BIMST-EC — Bangladesh India Myanmar Srilanka Thailand - Economic Council
TARP — Troubled Assets Relief Program
LTD. — Limited
LA — Labor Area
ECS — Enterprise Class Storage
SE — Salaried Exempt
LT — Lost Time
LBO — Limited Buyout
CPK — Cost Per Keyword
JEEP — Joint Ethics Enforcement Plan
NBER — National Bureau of Economic Research
OALC — Office of Acquisition, Logistics, and Construction
EBO — Equity buy out
B&P — Budgeting & planning
COFO — Committee on Forestry
ULC — Uniform Law Commissioners
UNSC — United Nations Staff College
IM/DQ — Identity Management/Data Quality
CIM — Corporate Information Model
TSB — Targeted Small Business
STD — Short-term Insurance
SOPAC — South Pacific group of countries
PPIP — Public-Private Investment Program

ECU — Emergency Coordination Unit
CSBU — Center for Small Business Utilization
SOIR — Schaeffer Open Interest Ratio
SPD — Division for Special Programmes Development
NAHB — NATIONAL ASSOCIATION OF HOMEBUILDERS
NVC — National Veterans Conference
CCPISA — Convention on the Privileges and Immunities of the Specialized Agencies
YSP — Yield-spread premium
UN-NADAF — United Nations New Agenda for the Development of Africa in the 1990s
SECL — Secretarial
UNMA — United Nations Mission in Angola
XRA — Expected Retirement Age
SIU — Sets In Use
OUSG — Office of the Under Secretary General
VETS — Veteran's Employment & Training Service
UNPOB — United Nations Political Office in Bougainville
PWD — Prevailing Wage Determination
DC — Developed Countries
ROLAC — Regional Office for Latin America and the Carribean
NHCE — Non-Highly Compensated Employee
ICDB — International Childrens' Day of Broadcasting
ITEAM — Information Technology Enterprise Architecture Management
SCP — Sustainable Cities Programme
UNRRA — United Nations Relief and Rehabilitation Agency
GEO — Global Environment Outlook Report
ICFY — International Conference on the Former Yugoslavia
WHOL. — Wholesale
PSR — Presentence report
SP — Strategic Plan
CSD — Commission for Social Development
WST — Waste Spare Time
EDP — Employee Development Plan
SMF/LDC — Special Measures Fund for the Least Developed Countries
FROI — First Report of Injury
IPO — Incorporated to Provide
OHR — Office of Human Resources
UNMEE — United Nations Mission in Ethiopia and Eritrea
RRM — Renegotiated-Rate Mortgage
UMTS — Universal Mobile Telephone System
CCS — Care Coordination Services
WCDMP — World Climate Data and Monitoring Programme
SLSMN — Salesman
MVI — Mini Vacations Incorporated
UNROD — United Nations Relief Operation in Dacca
VWPT — Value Weighted Price Trading
PAHO — Pan American Health Office/Regional Office for the Americas of the WHO
UNYOM — United Nations Yemen Observation Mission
CCSQ(OPS) — Consultative Committee on Substantive Questions (Operational Activities)
PATS — Planning, Architecture, Technology and Services
WGEID — United Nations Working Group on Enforced or Involuntary Disappearances

ECLAC — Economic Commission for Latin America and the Carebbean
FAS — Finance and Accounting System
BPO — Budget process outsourcing
PBSI — Performance Based Salary Increase
SSM — Software Service Manager
CFTA — Currency and Foreign Transaction Act
TRD — Transfer of Development
DME — Development/Maintenance/Enhancement
IPC — Integrated Programme for Commodities
CDP — Committee for Development Policy
POP — Premium-Only Plan
UNFSTD — United Nations Fund for Science and Technology for Development
IBD — Investors Business Daily
QWI — Quarterly Workforce Indicators
PIU — Public Inquiries Unit
CSI — Commissioners Standard Industrial Mortality Table
BLESS — Borrowing and Lending Securities Schemes
MQT — Medicaid Qualifying Trust
CFP — Clinical Financial Planner
C&P — Compensation & Pension
IPDC — International Programme for the Development of Communications
IMF — International Monitary Fund
VACO — VA Central Office
CIMO — Commission for Methods of Observation
UNDC — United Nations Disarmament Commission
HPS — Headquarters Procurement Section
FOIA — Freedome of Information Act
COMP. — Item given for free
WST — Waste Systems and Transportation
LTP — Long-Term Plan
CLO — Collaterialized loan obligation
UNPF — United Nations Peace-Force
LTFP — Long-Term Financial Plans
B/S — Benefits/Services
PIP — Peace Implementation Programme
OHRM — Office of Human Resources Management
ND — Network Director
NTU — National Taxpayer's Union
UNIKOM — United Nations Iraq-Kuwait Observation Mission
CPR — Committee of Permanent Representatives
BPA — Blanket purchase authoriation
STCG — Short-Term Capital Gain
UNFICYP — United Nations Force in Cyprus
SYD — Sum-of-the-years-digits
UNSMA — United Nations Special Mission to Afghanistan
UNICPO — United Nations Open-ended Informal Consultative Process on Ocean Affairs
GTC — Good Till Canceled Order
NGLS — United Nations Non-Governmental Liaison Service
SMP — Special Multiperil Policy
IMC — Integrated Market Communications

SRO — See Self-Regulatory Organization
UNTOP — United Nations Tajikistan Office for Peace-Building
USITC — U.S. International Trade Commission
ECS — Event Capture System
CCAQ(FB) — Consultative Committee on Administrative Questions (Financial and Budgetary Questions)
CT — Commercial Technology
DRM — Division for Resources Mobilization
PPBA — Office of Programme Planning, Budget and Accounts
BAB — Build America Bonds
B/A — Basic Agreement
SERP — Systemwide Electronic Research Program
QPAM — Qualified Professional Asset Manager
SDC — System Development Center
R/E — Real estate
UNICC — United Nations International Computer Centre
VC — Veterans Center
CCD — Centralized Contracting Division
MAT — Minimum Alternative Tax
SGML — Standard Generalised Markup Language
JIU — Joint Inspection Union
PCA — Permanent Court of Arbitration
UNOL — United Nations Peace-Building Support Office in Liberia
SBLC — Small Business Legislative Council
WPOA — Wagner-Peyser Act
COCA — Cost of capital allowance
TEA — Transportation Efficiency Act
HR — Human Rights's
PRP — Potentially Responsible Party (Superfund)
WST — Waste Science and Technology
TWAIN — Toolkit Without an Interesting Name