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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
TTL — Total
RMA — Return Merchandise Authorization
DEPR. — Depreciation
UM — Uninsured Motorist
FGM — Female Genital Mutilation
HCE — Highly Compensated Employee
ACR — Accrual
OSS — Open Source Software
B/E — Breakeven
BCWP — Budgeted Cost for Work Performed
LAN — Local Area Network
CP — Contingency Plan
CORELAP — Computerised Relationship Layout Planning
GLB — Gramm-Leach-Bliley Act
IGO — Intergovernmental Organization
DDB — Double-Declining-Balance
ETA — Estimated Time of Arrival
FLSA — Fair Labor Standards Act
BFOQ — Bona Fide Occupational Qualification
YTD — Year To Date
RAROC — Risk-Adjusted Return On Capital
GPROI — Gross Profit Return on Investment
FOMC — Federal Open Market Committee
M-O-M — Month over month
FMLA — Family Medical Leave Act
XML — Extensible Markup Language
OPT — Other People's Time
HIPPA — Health Insurance Portability and Accountability Act
CSR — Customer Service Representative
5S — Seiri, Seiton, Seiso, Seiketsu, Shitsuke
CAGR — Compound Annual Growth Rate
UNLTD — Unlimited
APR — Annual Percentage Rate
RFID — Radio Frequency Identification
ARPANET — Advanced Research Projects Agency Network (early internet)
CRFB — Committe for Responsible Federal Budget
O*NET — Occupational Information Network
B-TO-C — Business to consumer
O/S — Outstanding
ROM — Read-Only Memory
S&OP — Sales and Operations Planning
P.O.C. — Paid outside of closing
CBPP — Center on Budget and Policy Priorities
GEICO — Government Employees Insurance Company

C-CPI-U — Chained Consumer Price Index for All Urban Consumers
A.O.B. — Any other business
AFDC — Aid to Families with Dependent Children
FISMA — Federal Information Security Management Act
P.L. — Public Law
U&C — Usual and customary
DOB — Date Of Birth
FTP — File Transfer Protocol
KPMG — Klynveld Peat Marwick Goerdeler
JC PENNEY'S — James Cash Penney
B-TO-B — Business-To-Business
ANOVA — Analysis of Variance (statistics)
F/B/O — For benefit of
U.S.C. — United States Code
PLS — Please
RCNLD — Replacement Cost New Less Depreciation
ANSI — American National Standards Institute, Inc.
BGT — Budget
P&Z — Planning & Zoning
IPCC — Intergovernmental Panel on Climate Change (WMO and UNEP)
URL — Universal Resource Locator
M.O.M. — Middle of the month
CMO — Collateralized Mortgage Obligation
A/OPC — Agency/Organization Program Coordinator
DRIP — Dividend Reinvestment Plan
BBS — Bulletin Board Service
ATM — Automatic Teller Machine
UBTI — Unrelated Business Taxable Income
J/E — Journal entry
IT — Information Technology
C.L.U.E. — Comprehensive Loss Underwriting Exchange
C-CPI — Chained Consumer Price Index
W-A — Weighted average
U.S. DOL — United States Department of Labor
FDIC — Federal Deposit Insurance Corporation
FAC-P/PM — Federal Acquisition Certification Program/Project Management
FANNIE MAE — Federal National Mortgage Association (a privately owned corporation)
EGTRRA — The Economic Growth and Tax Relief Reconciliation Act of 2001
QDRO — Qualified Domestic Relations Order
IDIQ — Indefinite Delivery, Indefinite Quantity
C.&F. — Cost and freight
A&MMS — Acquisition and Materiél Management Service
PPE — Personal Protective Equipment
SSN — Social Security Number
U.S. DOJ — United States Department of Justice
MPC — Marginal Propensity to Consume
RNFA — Return On Net Financial Assets
ITEP — Institute on Taxation and Economic Policy
LIFO — Last In, First Out
EOQ — economic order quantity

NFI — Net Financial Income
E.O. — Executive Order
M.ED — Masters in Education
IRC — Internet Relay Chat
W/O — Without
EPA — Environmental Protection Agency (US)
THX — Thanks
WHO — World Health Organization
GATB — General Aptitude Test Battery
INC — Intergovernmental Negotiating Committee
I-TIPS — Information Technology Investment Portfolio System
A&MM — Acquisition and Materiél Management
OA&L — Office of Acquisition and Logistics
HIPC — Heavily Indebted Poor Countries
ATF — As Trustee for
E&IT — Electronic and Information Technology
EBITA — Earnings before interest taxes depreciation amortization
NAFEP — National Association of Financial and Estate Planning
FIFO — First In, First Out
WAASE — Division for Western Asia, Arab States and Europe
GM — Gross Margin
FTE — Full Time Equivalent
VAGFE — VA-owned Government Furnished Equipment
NAFTA-TAA — NAFTA Transitional Adjustment Assistance
BCA — Business Continuity Plan
SALY — Same As Last Year
SD — Standard Deviation
COB — close of business (End of duty day)
AAA-CPA — American Association of Attorney-Certified Public Accountants
FF&E — Furniture, Fixtures & Equipment
RFQ — Request For Quotation
LLC — Limited Liability Company
AAA — American Automobile Association
CD — Certificate of Deposit
QCEW — Quarterly Census of Employment and Wages
AUP — Acceptable Use Policy
RICO — Racketeer Influenced and Corrupt Organizations Act of 1970
IP — Internet Protocol
CBD — Cash Before Delivery
QC — Quality Control
ARO — After Receipt of Order
FLRA — Federal Labor Relations Authority's
IACSD — Inter-Agency Committee on Sustainable Development
KPI — Key Performance Indicator
FEMA — Federal Emergency Management Agency
UNESCO — United Nations Educational, Scientific and Cultural Organization
EDI — Electronic Data Interchange
EAP — Employee Assistance Program
UNICEF — United Nations International Children's Emergency Fund
COBRA — Consolidated Omnibus Budget Reconciliation Act of 1985

IRR — Internal Rate of Return
GSM — Global System for Mobile Communications
GDP — Gross Domestic Product
LY — Last Year
CY — Calendar Year
GP — Gross Profit
BSA — Bank Secrecy Act
POA — Power Of Attorney
AA — Affirmative Action
YUPPIE — Young Urban Professional
OI — Operating Income
ACH — Automated Clearing House
ISP — Internet Service Provider
EDWOSB — Economically disadvantaged woman-owned business
S&U — Sales and use
CCB — Change Control Board
PO — Purchase Order
LMRA — Labor Management Relations Act
CEO — Chief Executive Officer
RFP — Request For Proposal
MBTI — Myers-Briggs Type Indicator
BMW — Bayerische Motoren Werke (Bavarian Motor Works)
WACC — Weighted Average Cost Of Capital (accounting)
CV — Curriculum Vitae
ROM — Range Of Motion
PDF — Portable Document Format (created by Adobe Acrobat)
ADB — Asian Development Bank
AMD — Advanced Micro Devices, Inc. (producer of computer chips)
MSDS — Material Safety Data Sheets
POD — Proof Of Delivery
SPV — Special Purpose Vehicle (sometimes Single Purpose Vehicle)
QSC — Quality, Service, Cleanliness (Ray Kroc's motto for McDonald's)
TQM — Total Quality Management
BFP — Bona Fide Purchaser
CBC — Complete Blood Count
P&L — Profit and Loss statement
TSR — Total Shareholder Return
CPI — Consumer Price Index
FINRA — Financial Industry Regulatory Authority
ATTN — Attention
WML — Wireless Markup Language
IPO — Initial Public Offering
EEO — Equal Employment Opportunity
CDO — Collateralized Debt Obligation
ABC — activity based costing
R&D — Research & Development
SAAS — Software as a Service
DMAIC — Define, Measure, Analyze, Improve, Control
LC — Letter of Credit
MOU — Memorandum of Understanding (an MOU between Food & Drug Administratin and a regulatory agency in another country allows mutual recognition of inspections)

AP — Accounts Payable
UPS — United Parcel Service, Inc.
ARB — Architecture Review Board
LLP — Limited Liability Partnership
EST — Eastern Standard Time
PDA — Personal Digital Assistant
BPML — Business Process Modeling Language
CBA — Cost Benefit Analysis
SMTP — Simple Mail Transfer Protocol
CMT — Constant Maturity Treasury
USDA — United States Department of Agriculture
LTCM — Long-Term Capital Management
RPI — Retail Price Index
GIS — Geographic Information System
ADR — American Depositary Receipt
DIH — Days Inventory Held
ETA — Department of Labor's Employment and Training Administration
PIP — Performance Improvement Plan
OECD — Organization for Economic Cooperation and Development
CIP — Carriage and Insurance Paid to
DFA — Department of Finance and Administration
IBAN — International Bank Account Number
ASCII — American National Standard Code for Information Interchange
FIT — Financial institutions tax
AUM — Assets Under Management
SRAM — Static Random Access Memory (ess-ram)
IRA — Individual Retirement Account
NYSE — New York Stock Exchange
NOC — Net Operating Capital
DCP — Defined Contribution Plan
LTV — Loan To Value
GL — General Ledger
AD — Advertisement
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.
DKNY — Donna Karan New York
MTBF — Mean Time Before Failure
LFPR — labor force participation rate
ASME — American Society of Mechanical Engineers
PC — Politically Correct
ROE — Return On Equity
CAO — Chief Accounting Officer
CBO — Congressional Budget Office
ROIC — Return on Invested Capital
LOB — Line Of Business
ACCT — Account
YTM — Yield to Maturity
SLA — Service Level Agreement
GATT — General Agreement on Tariffs and Trade (government)
ADR — Alternative Dispute Resolution
FR — Federal Register

UCC — Uniform Commercial Code
ADP — Automated Data Processing
CAPEX — Capital Expenditure
LOI — Letter Of Intent
BLS — Bureau of Labor Statistics of the United States Department of Labor
ADP — Actual Deferral Percentage
OTC — Over The Counter (medications not requiring a prescription)
ADL — activity of daily living
Q — Quarter
COD — Cash On Delivery
DVP — Delivery Versus Payment
SKU — Stock Keeping Unit
BOV — Broker’s Opinion of Value
ETR — Effective Tax Rate
ADR — American Depository Receipt
C&F — Cost and Freight
CPO — Cost Per Order
ARM — Adjustable Rate Mortgage
KSOP — 401(k) Employee Stock Option Plan
JV — Joint Venture
DBA — Doing Business As
IOC — Intergovernmental Oceanographic Commission
DOT — Department of Transport
ARC — American Red Cross
GNP — gross national product (economics)
GPS — Global Positioning System (ex-NAVSTAR)
ICFR — Internal Control Over Financial Reporting
REO — Real Estate Owned
BOL — Bill Of Lading
AWOL — Absent Without Leave
FTA — Free-Trade Agreement
IBM — International Business Machines Corporation
ICE — Intrusion Countermeasures Electronics
ANCOM — Andean Common Market
SGLI — Servicemember Group Life Insurance
UNDMT — United Nations Disaster Management Team
CRO — Chief Risk Officer
PE — Private Equity
MIGA — Multilateral Investment Guarantee Agency
EOD — End Of Day
EU — European Union (1994; formerly referred to as the EEC or EC)
CP — Commercial Paper
SAN — Storage Area Network
GOI — Gross Operating Income
JGTRRA — Jobs and Growth Tax Relief Reconciliation Act
ERP — Emergency Response Plan
HMO — Health Maintenance Organization
APT — Arbitrage Pricing Theory
PV — Present Value
ICAO — International Civil Aviation Organization

NPV — Net Present Value {economics}
LOC — Line Of Credit
CIO — Chief Information Officer
BEA — Bureau of Economic Analysis
RFC — Request For Comment
G2C — Government to Consumer
NOPAT — Net Operating Profit After Tax
FAQ — Frequently Asked Questions (sometimes Pronounced Fak)
FOREX — Foreign Exchange
FAA — Federal Aviation Administration
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.
RAM — random-access memory
NGO — Non-governmental organization. (Red Cross/Crescent, Doctors without Borders, etc.)
CAE — Computer-Aided Engineering
OT — Overtime
RAM — Reverse Annuity Mortgage
LMI — Labor Market Information
3M — Minnesota Mining And Manufacturing Company
HR — Headquarters Report
CPM — Critical Path Method
ITIN — Individual Taxpayer Identification Number
EO — Executive Order
CPM — Certified Property Manager
UIM — Underinsured Motorist
GA — General Assembly
ACWP — actual cost for work performed
NAV — Net Asset Value
ABM — Activity Based Management
SDR — Special Drawing Rights
PAQ — Position Analysis Questionnaire
COO — Chief Operation Officer
IMF — International Monetary Fund
CRS — Congressional Research Service
CV — Cost Variance
NOA — Net Operating Assets
DJIA — Dow Jones Industrial Average
AIG — American International Group, Inc
BIW — Biweekly
MTD — Month-to-date
CTR — Currency Transaction Report
PPO — Preferred provider organization
FINCEN — Financial Crimes Enforcement Network
MTF — Medical Treatment Facility
CIM — Computer Integrated Manufacturing
FDCPA — Fair Debt Collection Practices Act
FOB — Free On Board
EEOC — Equal Employment Opportunity Commission
NSC — National Security Council
MIS — Management Information System (OSHA)
TBD — To Be Determined

CMA — Comparative Market Analysis
CFM — Construction Facility Management
B/L — Bill of Lading
RTO — Reverse Take-Over
IETF — Internet Engineering Task Force
NAB — Non-accrual basis
GRM — Gross Rent Multiplier
ALM — Asset Liability Management
DPKO — Department of Peacekeeping Operations
QTY — Quantity
AER — Annual Equivalent Rate
PFA — Prevention of Food Adulteration Act
O&M — Operation and Maintenance
VPN — Virtual Private Network (ATM)
ABO — Accumulated Benefit Obligation
AE — Account Executive
ASP — Active Server Page
FAS — Free Alongside Ship
ADB — African Development Bank
RSF — rentable square feet
IPS — Investment Policy Statement
DES — Data Encryption Standard
GRUT — Grantor Retained Unitrust
RIF — Reduction In Force
CFROI — Cash Flow Return on Investment
SLIP — Serial Line Interface Protocol
DOD — United States Department of Defense
IVR — Interactive Voice Response (telephone technology)
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
FAR — Federal Acquisition Regulation
ROG — Receipt Of Goods
DC — Defined Contribution
EMA — Exponential Moving Average
DMA — Designated Market Area
RMP — Risk Management Plan
LWDI — Lost Work Day Injury Rate
POE — Point of Entry
ETF — Exchange Traded Fund
QOS — Quality of Service
WWW — World Weather Watch
FY — Fiscal Year
NRI — Net Revenue Interest
ADA — Americans With Disabilities Act Of 1990 (Text Of ADA Legislation)
BD — Business Development
G2G — Government to Government
MBA — Mortgage Bankers Association of America
FASAB — Federal Accounting Standards Advisory Board
PGP — Pretty Good Privacy (encryption)
ODA — Official Development Assistance
GMP — Good Manufacturing Practice

FICCO — Fair Issac Credit Organization
EP — Earned Premium
AGR — Adjusted Gross Revenue
AFL-CIO — American Federation of Labor and Congress of Industrial Organizations
OASDI — Old Age Survivors Disability Insurance
BPA — Blanket Purchase Agreement
PD — Position Description
CPC — Cost Per Click-through
SEM — Search Engine Marketing
JIT — Just in time
BARS — Behaviourally-Anchored Rating Scale
NATO — North Atlantic Treaty Organisation
LOA — Leave Of Absence
VC — Venture Capital
AM — Asset Management
OPR — Other People's Resources
AON — Angolan New Kwanza
SQA — Software Quality Assurance
AGI — Adjusted Gross Income
AMEX — American Stock Exchange
EXCOM — Executive Committee
IRC — Internal Revenue Code of 1986
SG&A — Selling, general, and administrative expenses
AMA — American Management Association
APPROX — Approximate
AARP — American Association of Retired Persons
RFI — Request For Information. Sales department shorthand. Special priority when use in conjunction with RFN (see below).
AAR — Average Annual Return
JOA — joint operating agreement
PM — Performance Management
CTS — Carpal Tunnel Syndrome
POP — Point Of Purchase
WC — Worker's Compensation
FPL — Federal Poverty Level
JD — Juris Doctorate
QA — Center for Quality Assurance in International Education
CR — Continuing Resolution
MSA — Metropolitan Statistical Area
IM — Information Management
CBT — Computer Based Training
EURIBOR — Euro Interbank Offered Rates
CCAQ — Consultative Committee on Administrative Questions
P&G — Proctor and Gamble
OTB — Open To Buy
CTO — Chief Technology Officer
MSN — Microsoft Network
IFRS — International Financial Reporting Standard
BOP — Bureau Of Prisons
NDA — Non-Disclosure Agreement
PDM — Product Data Management

DRAM — Dynamic Random Access Memory (dee-ram) (computing)
OJT — On the Job Training
CRAT — Charitable Remainder Annuity Trust
DTA — Deferred tax assets
FUBU — For Us By Us
CRM — Customer Relationship Management
ETA — Employment and Training Administration
MA — Moving Average
MIRR — Modified Internal Rate of Return
GMWB — Guaranteed Minimum Withdrawal Benefit
TER — Total Expense Ratio
STD — Standard
PNG — Portable Network Graphics (graphic file standard/extension)
MSA — Medical Savings Account
DNS — Domain Name System
BI — Business Intelligence
ROR — Return on Revenue
POP — Point Of Presence (Internet)
MEC — Modified Endowment Contract
F/K/A — Formally known as
BOE — Bank of England
PM — Program Manager
RR — retention rate
EV — Enterprise Value
PMI — Private Mortgage Insurance
IM/IT — Information Management/Information Technology
ITLOS — International Tribunal for the Law of the Sea
CE&O — Customer education and outreach
ROI — Return on Investment
NPW — Net Present Worth
EFA — Education for All
CUSFTA — Canada-US Free Trade Agreement
LBO — Leveraged Buyout
IDR — Issuer Default Rating
IAEA — International Atomic Energy Agency
SM — Service Mark
BOO — Build Own Operate
ABA — American Bankers Association
HAZMAT — Hazardous Material
DCR — Debt Coverage Ratio
RONA — Return On Net Assets
ACC — Accounting Classification Code
NT — Near-Term
SMT — Senior Management Team
CTO — Compensatory Time Off
CAFTA — Central American Free Trade Agreement
AFDA — Allowance for Doubtful Accounts
FDA — Food Drug Administration
A&W — Allen & Wright (Roy Allen and Frank Wright combined their initials to name A&W Root Beer in 1922)
NFE — Net Financial Expense

HIBOR — Hong Kong interbank offered rate
FMS — Financial Management Service
GSA — U.S. General Services Administration
ACRS — Accelerated Cost Recovery System (finance)
CFR — Code of Federal Regulations
ISDN — Integrated Services Digital Network
ACO — Administrative Contracting Officer
GRP — Gross Rating Point
POD — Payable on Death
LWP — Leave With Pay
FASAB — Financial Accounting Standards Advisory Board
UTD — Under Trust Dated
CDC — Center for Disease Control and Prevention
CPM — Continuous Passive Motion
ABS — Automated Bond System
DRP — distribution requirements planning
IFB — Invitation For Bid
ITA — International Trade Administration
GSF — Gross Square Feet
REIT — Real Estate Investment Trust
VISN — Veterans Integrated Service Network
PFD — Preferred
ALDEP — Automated Layout Design Programs
TCO — Total Cost of Ownership
RULPA — Revised Uniform Limited Partnership Act
CEN — Committee European de Normalisation
DOJ — Department of Justice (US)
C&B — Compensation and Benefits
LIBOR — London interbank offering rate
SAM — Shared-Appreciation Mortgage
CPP — Capital Purchase Program
CSRS — Civil Service Retirement System
SAR — Stock Appreciation Right
TL — Truckload
DPP — Direct Participation Program
DUSHOM — Deputy Under Secretary for Health for Operations and Management
UNRWA — United Nations Relief and Works Agency for Palestine Refugees in the Near East
HCFA — Health Care Financing Administration
CFO — Communication Filing Officer
ERV — Estimated Rental Value
ARNP — Advanced Registered Nurse Practitioner
BS — Balance Sheet
CUM PFD — Cumulative preferred
MDB — Multilateral Development Bank
DCA — Dollar Cost Averaging
DI — Disability Insurance
AMT — Amount for Married Taxpayers
ROTA — Return On Total Assets
WC — Working Capital
FSA — Flexible Spending Account

SAS — Statement on Auditing Standards
GFE — Good Faith Estimate
LBB — Legislative Budget Board
RAID — Redundant Array of Inexpensive Disks
AMA — American Medical Association
SIC — Standard Industrial Classification (Code)
NNN — Triple Net (Lease)
CDHP — consumer-driven health plan
CIMA — Chartered Institute of Management Accountants
OA — Operating Assets
3PL — Third Party Logistics
IRS — U.S. Internal Revenue Service
UNU — United Nations University
BNA — Bureau of National Affairs, Inc.
ERISA — Employee Retirement Income Security Act
DCF — discounted cash flow rate
COOP — Continuity of Operations
ATO — Asset Turnover
WIP — Work in Process
PERT — Program Evaluation and Review Technique
USP — Unique Selling Point
UNEP — United Nations Environment Program
D/O — Delivery Order
PRI — Primary Rate Interface (ISDN)
TDC — Total Direct Compensation
AJE — Adjusting Journal Entry
GPP — Gross Profit Percentage
NFA — Net Financial Assets
SC — Security Council
QMAC — Qualified Matching Contributions
PNP — Plug aNd Play
PC — Personal computer (host)
CPM — Corporate Performance Management
CAGR — Compounded Annual Growth Rate
SBU — Strategic Business Units
4P — Price, Product, Place and Promotion
HVAC — Heating, Ventilation, and Air Conditioning
NAM — National Association of Manufacturers
ICC — International Criminal Court
PY — Program Year
GRAT — Grantor Retained Annuity Trust
CME — Chicago Mercantile Exchange
BCR — Benefit/Cost Ratio
FOIA — Freedom of Information Act
EBT — Earnings Before Tax
PAT — Profit After Tax
JD — Job Description
HSA — Health Savings Account
CASB — Cost Accounting Standards Board
EOE — Equal Opportunity Employer

DOE — United States Department of Energy (government)
CISO — Chief Information Security Officer
PDA — Personal Data Assistant
FCRA — Fair Credit Reporting Act
REPO — Repurchase Agreement
XTML — eXtensible Telephony Markup Language
DSO — Day Sales Outstanding
AOV — Average Order Value
PD — Paid
IRIN — Integrated Regional Information Networks
CPA — Certified Public Accountant
CFA — Consumer Federation of America
NLRB — National Labor Relations Board
PHP — PHP Hypertext Processor
COGS — Cost of Goods Sold
IMO — International Maritime Organization
TDI — Temporary Disability Insurance
DDU — destination delivery unit
ZIP — Zone Improvement Plan
CMM — Capability Maturity Model
LMRDA — Labor-Management Reporting and Disclosure Act of 1959
ISO/MSP — Independent sales organization/Member service provider
ACV — Actual Cash Value
AQL — Acceptable Quality Level
AD&D — Accidental Death and Dismemberment
LTO — Long-Term Option
IFRIC — International Financial Reporting Interpretations Committee
AICPA — L'American Institute of Certified Public Accountants
OTCEI — Over the Counter Exchange of India (stock exchange)
RTF — Rich Text Format
TDA — Tax Deferred Annuity
IDIT — Intentionally defective irrevocable trust
CMA — Certified Management Accountant
CRT — Charitable Remainder Trust
NIBCL — Non-interest bearing current liabilities
TRO — Temporary Restraining Order
TIL — Truth in Lending
ASP — Application Service Provider
OMB — Office of Management and Budget (U.S.)
RO — Regional Office
ABP — Average Benefit Percentage
FRF — Financial Reporting Framework
CPM — Cost Per Thousand
IRCA — Immigration Reform and Control Act
FAO — Food and Agriculture Organization of the United Nations
COLA — Cost of Living Adjustment (or Allowance)
CVP — Cost-Volume-Profit
CF — Cash Flow
TM — Trademark
NI — Net Income

COTR — Contracting Officer Technical Representative
GAAP — Generally Accepted Accounting Procedures
EIN — Employer Identification Number
ITU — International Telecommunication Union
CMS — Content Management System
AMF — American Machine & Foundry (bowling lane operators and former owners of Harley Davidson motorcycles)
SEPG — Software Engineering Process Group
BOMA — Building Owners and Managers Association
NFO — Net Financial Obligations
DUSH — Deputy Under Secretary for Health
EFT — Electronic Funds Transfer
UI — User Interface
IDP — Internally Displaced Person
MLS — Multiple Listing Service
IMAP — Internet Message Access Protocol
CPI — Cost Performance Index
POC — Proof of Claim
MSRP — Manufacturer's Suggested Retail Price
GRIT — Grantor Retained Income Trust
SAR — Suspicious Activity Report(ing)
RFQ — Request For Quote
BU — Bargaining Unit
CAPM — Capital Asset Pricing Model
ESOP — Employee Stock Ownership Plan
PC — Percent
EPA — Equal Pay Act
CFA — Chartered Financial Analyst
CHR — Commission on Human Rights
SBO — Small Business Owner
TTM — Trailing Twelve Months
AMID — Allowable Miscellaneous Itemized Deductions
CMO — Chief Marketing Officer
IC — Internal Control
SOHO — Small Office Home Office
UR — Utilization Review
AED — United Arab Emirates Dirham
PFS — Personal Financial Specialist
CGS — Cost of Goods Sold
FTD — Federal Tax Deposit
LOS — Length of Stay
G2B — Government to Business
CADR — Cash available for distribution before debt reduction
BDF — Beneficiary Designation Form
WTO — World Tourism Organization
NCA — National Cemetery Administration
APY — Annual Percentage Yield
MI — Mortgage Insurance
STR — Software Test Report
PDA — Pregnancy Discrimination Act
LEPO — Low Exercise Price Option

PPI — Producer Price Index
HDI — Human Development Index (UNDP yardstick of human welfare)
TAM — Television Audience Measurement
CDL — Commercial Driver's License
HR — Human Resource
FNA — Financial needs analysis
EVA — Economic Value Added
MPS — Marginal Propensity to Save
MDGD — Management Development and Governance Division
LLLP — Limited Liability Limited Partnership
TCN — Third Country National
PY — Prior Year
CGQ — Corporate Governance Quotient
MAD — Mean Absolute Deviation
COS — Chief of Staff
PHC — Personal Holding Company
SRM — Supplier Relationship Management
CIT — Corporate Income Tax
MMDA — Money Market Deposit Account
BHAG — Big Hairy Audacious Goal
RESPA — Real Estate Settlement Procedures Act
EPS — Earnings per share
ITC — Information Technology Center
ART — Annual Renewable Term (life insurance)
DBA — Data Base Administrator
UN — United Narions
CSO — Commissioners Standard Ordinary
PBO — Projected Benefit Obligation
M/M — Month-over-month
GIF — Guaranteed Investment Fund
OID — Original Issue Discount
SCM — Supply Chain Management
FTC — Federal Trade Commission (U.S.)
HQ — Headquarters (HDQ Preferred)
OSHA — Occupational Safety and Health Act (1970)
HR — HUMAN RESOURCES
B2B — Business to Businesse
MC — Market Capitalization
CPR — Cardio-Pulmonary Resuscitation
RP — Repurchase Agreement
IPCS — International Programme on Chemical Safety
IDA — International Development Association
IATA — International Air Transport Association
TIN — Taxpayer Identification Number
WIPO — World Intellectual Property Organization
CIO — Chief Investment Officer
ADI — After Date of Invoice
BRIC — Brazil, Russia, India and China
P2P — Peer to Peer (as in music file sharing systems like KaZaA)
ASB — Accounting Standards Board

CUM — Cumulative
UNA — United Nations Association
PRC — Peer Review Committee
DOL — United States Department of Labor
MLR — Medical Loss Ratio
ATCF — After Tax Cash Flow
HELOC — Home Equity Line of Credit
ROS — Return on Sales
FTE — Full-Time Employee
SBC — Southwestern Bell Corporation
TIPS — Treasury Inflation-Protected Securities
PVGO — Present Value of Growth Opportunities
ROGFA — Return on Gross Fixed Assets
EPZ — Export Processing Zone
BSM — Black-Scholes-Merton
AT&T — American Telephone and Telegraph (U.S. company, also known as "Ma Bell")
TAN — Tax Anticipation Note
AO — Authorizing Official
FASAC — Financial Accounting Standards Advisory Council
SBLC — Standby Letter of Credit
PM — Profit Margin
GED — General Equivalency Diploma
AMTI — Alternative Minimum Taxable Income
DFAS — Defense Financial Accounting Service
EOB — Explanation Of Benefits
EPI — Expanded Programme on Immunization
IP — Intellectual Property
ECA — Economic Commission for Africa
EE — Employee
ATP — Accredited Tax Preparer
XHTML — Extensible Hypertext Markup Language
CAI — Computer Assisted Instruction
FCC — Federal Communications Commission (US)
ALEX — AUTOMATED LABOR EXCHANGE
CA — Confidentiality Agreement
OPM — Office of Personnel Management
A&H — Accident and health insurance
ATB — Across the Board
BAFO — Best and Final Offer
TCE — Tangible Common Equity
SGA — Substantial Gainful Activity
NTIS — National Technical Information Service Technology Administration
GPI — Gross potential income
QMCSO — Qualified Medical Child Support Order
EOM — End Of Month
MLM — Multi-Level Marketing
CIX — Commercial Internet Exchange
HDML — Handheld Device Markup Language
IRDA — Insurance Regulatory Development Authority
FRB — Federal Reserve Board

PM — Project Manager
ESI — Electronically Stored Information
BOOT — Build Own Operate Transfer
RAP — Regulatory Accounting Principles
HUD — Department of Housing and Urban Development (U.S.)
GPO — Government Printing Office
TAM — Technical Advice Memorandum
IASC — Inter-Agency Standing Committee
BOS — Behavior Observation Scale
OJT — On-The-Job-Training
DPP — Deferred Payment Plan
UGMA — Uniform Gifts to Minors Act (largely replaced by UTMA)
GIF — Graphic Interchange Format
PLR — Private Letter Ruling
OE — Operating Expense
APV — Adjusted Present Value
BRI — Basic Rate Interface
ITF — In Trust For
AAA — authentication, authorization, and accounting
AOQL — Average Outgoing Quality Level
NFIP — National Flood Insurance Program
MACRS — Modified Accelerated Cost Recovery System (IRS)
OASDHI — Old Age, Survivors, Disability and Health Insurance Act
PTP — Publicly Traded Partnership
EA — Enrolled Agent
EXP — Export
BOT — Balance of Trade
CSHO — Compliance Safety and Health Officer
FFY — Federal Fiscal Year
SBLI — Savings Bank Life Insurance
GL — General Liability
GA — General Agent
FICA — Federal Insurance Contribution Act
ERP — Estimated Retail Price
GSI — general salary increase
BCC — Blind Copied
ST — Short-Term
IBRD — International Bank For Reconstruction And Development (part Of The World Bank)
DPA — Department of Political Affairs
SNA — System of National Accounts
DOH — Days inventory On Hand
COD — Cancellation of Debt
RTW — Return To Work
ADP — Average Deferral Percent
WHA — World Health Assembly
GAO — Government Accountability Office [formerly the General Accounting Office]
WMO — World Meteorological Organization (ICSU)
DM — Direct Mail
SDB — Small Disadvantaged Business
WRA — Weighted Risk Assets

DIP — Debtor In Possession
FAK — Freight all kinds
BIS — Bank of International Settlements
LAR — Legislative Appropriations Request
EOY — End-Of-Year
AGC — Associated General Contractors of America
PEO — Professional Employer Organization
LPA — Licensed Public Accountant
CAD — Cash Available for Distribution
FRS — Federal Reserve System
ESP — Exchange Stock Portfolio
PCI — Per Capita Income
CRM — Client Relationship Management
RWA — Risk Weighted Asset
CPIC — Capital Planning and Investment Control
DTI — Department of Trade and Industry (UK)
GOV — Government Owned Vehicle
BLM — Bureau of Land Management of United States Department of the Interior
BAT — Business Activity Tax
LTIP — Long-Term Incentive Plan
BOD — Board of Directors (Budget)
NIH — NATIONAL INSTITUTE OF HEALTH
F2F — Face-to-Face Meeting
CSF — Critical Success Factor
PRP — Preferred Risk Policy
TVM — Time Value of Money
SOL — Statute of Limitations
ERS — Economic Research Service
MLR — Monthly Labor Review
CASE — computer-automated software engineering
NOW — Negotiable Order of Withdrawal
CCP — Certified Compensation Professional
SOS — Sound On Sound
ICJ — International Court of Justice
SEC — Securities and Exchange Commission (US)
ASU — Accounting Standards Update
FSS — Federal Supply Schedule
SMA — Simple Moving Average
UPU — Universal Postal Union
ROOA — Return on Operating Assets
SIPC — Securities Investor Protection Corporation
IANA — Internet Assigned Numbers Authority
REC — Renewable Energy Certificate
VA — Veterans Administration
PSA — Public Service Announcement (radio/TV Term)
MOM — Message Oriented Middleware
IBNR — Incurred But Not Reported
AEI — American Enterprise Institute
CPG — Consumer Packaged Goods
LFY — Last Fiscal Year

VIE — Variable Interest Entity
A/P — Accounts Payable
SB — Senate Bill
SOP — Statement Of Position
CORBA — Common Object Request Broker Architecture
ACC — Administrative Committee on Coordination
QTD — Quarter-to-Date
TTD — Temporary Total Disability
CUPA — College and University Personnel Association
DFL — Degree of Financial Leverage
JPEG — Joint Photographic Experts Group (24-bit image storage format)
DUNS — Data Universal Numbering System
EEPROM — Electric Erasable Programmable Read Only Memory
FFIEC — Federal Financial Institutions Examination Council
PTO — Paid Time Off
SUTA — State Unemployment Tax Act
DRP — Disaster Recovery Plan
CBOT — Chicago Board of Trade
CTV — Capital Timber Value
DB — Defined Benefit (retirement Plan; For Example, A Pension)
RIA — Registered Investment Advisor
LOB — Line-Of-Balance
CROGI — Cash Return on Gross Investment
ROCE — Return On Capital Employed
LCA — Labor Condition Application
ADEA — Age Discrimination in Employment Act's
ATR — Americans for Tax Reform
AACU — American Association of Colleges and Universities
ILIT — Irrevocable Life Insurance Trust
NCUSIF — National Credit Union Share Insurance Fund
FRV — Fair Rental Value
SSA — Social Security Administration
MVIC — Market Value of Invested Capital
GR — General Revenue
ILAB — Bureau of International Labor Affairs
KSAO — Knowledge, Skills, Abilities and Other
SC — Securities Commission
ABA — Accredited Business Accountant
EPTA — Expanded Programme of Technical Assistance
SCORE — Service Corps Of Retired Executives
ASAE — American Society of Association Executives
CC — Civil Code
PDA — Payday Advance Loan
PIK — Payment in Kind
EGM — Extraordinary General Meeting
TIP — Transportation Improvement Program
BDC — Business Development Center
LWO — Leave without pay
CAE — Certified Association Executive
Y/Y — Year-over-year

NOI — Net Operating Income
IME — Independent Medical Examination
VSNL — Videsh Sanchar Nigam Limited
RISC — Reduced Instruction Set Computer
PILOT — Payment In Lieu Of Taxes
ATOI — After Tax Operating Income
CODASYL — Committee on Data Systems Languages
NAVPS — Net Asset Value Per Share
PW — present worth
AL — Assisted Living
CK — Calvin Klein
IIA — Institute of Internal Auditors
ECB — European Central Bank
7S — Strategy, Structure, Systems, Style, Staff, Skills, Shared values
FHLB — Federal Home Loan Bank
FMLA — Family and Medical Leave Act
WRKSHP — Workshop
UNCIP — United Nations Commission for India and Pakistan
CICA — Competition in Contracting Act (1984)
EMS — Eastern Mountain Sports
SEPA — Single Euro Payments Area
OTS — Office of Thrift Supervision
FASB — Financial Accounting Standards Board
POQ — Periodic Order Quantity
HR&A — Human Resources and Administration
IPTF — International Police Task Force
ADC — Acquisition, Development, and Construction
PDQ — Position Description Questionnaire
EOI — Evidence of Insurability
BCP — Business Continuity Plan
A/R — Accounts Receivable
NCOA — National Change Of Address
SE — Self Employed
ROW — Right-Of-Way
GE — General Electric American Communications Inc.
GPM — Graduated Payment Mortgage
EISA — Extended Industry Standard Architecture
CESA — Coverdell education savings account
OAS — Option Adjusted Spread
GST — Goods and Services Taxation
LTD — Limited
UNAMIC — United Nations Advance Mission In Cambodia
ECOSOC — Economic and Social Council of the United Nations
ALJ — Administrative Law Judge
T&C — Terms & Conditions
MER — Management Expense Ratio
SOA — Service-Oriented Architecture
RR — Revenue Ruling
IRA — Individual Retirement Arrangement
REI — Recreational Equipment, Inc.

CFE — Certified Financial Examiner
ECM — Excess cash margin
EOU — Export Oriented Unit
IBR — Income-based repayment
OASDI — Old Age and Survivors Disability Insurance
DOC — Doctor
CNF — Cost, not freight
MIME — Multipurpose Internet Mail Extension
SEO — Search Engine Optimizer
LSE — London Stock Exchange
ESCAP — Economic and Social Commission for Asia and the Pacific (UN)
CMA — Certified Management Accountant
DIO — Days Inventory Outstanding
FSI — Free Standing Insert
POP — Premium Only Plan
MRO — Maintenance, repair, and overhaul
HFA — Housing Finance Agency
SNE — Salaried Non-Exempt
FFO — Funds from operations
BID — Business Improvement District
DOL — Degree of Operating Leverage
GICS — Global Industry Classification Standards
PHR — Professional in Human Resources Certification
ELP — Electing large partnership
SNF — Skilled Nursing Facility
DPI — Department of Public Information
B.A. — Bachelor of Arts
MLD — Market-linked deposit
ABF — Asset-Based Financing
CFAT — Cash Flow After Taxes
UNMISET — United Nations Mission of Support in East Timor
EIS — Environmental Impact Statement (US)
SUA — Convention for the Suppression of Unlawful Acts Against the Safety of Maritime Navigation
WTO — World Trade Organisation
CGA — Charitable Gift Annuity
MAS — Multiple-Award Schedule
MUPLA — Model Uniform Products Liability Act
CAFR — Comprehensive Annual Financial Report
UL — Universal Life
ECI — Employment Cost Index
IFAD — International Fund for Agricultural Development (UN)
SBAP — Small Business Assistance Program
UNFPA — United Nations Fund for Population Activities (see www.unfpa.org)
POCS — Points of Contact
DTL — Deferred Tax Liability
REV. PROC. — Revenue Procedure
POP — Public Offering Price
TPL — Third-Party Liability
REV. RUL. — Revenue Ruling
UIC — Unemployment Insurance Commission (Canada, archaic)

DBMS — Data Base Management System
HROD — Human Resources and Organizational Development
DCAP — Dependent Care Assistance Program
L/C — Letter of Credit
CIP — Capital Investment Proposal
TPD — Temporary Partial Disability
DOI — Date of Injury
CHRO — Chief Human Resource Officer
B&O — Business and Occupation
POS — Point of Service Plan
SA — Seasonally Adjusted
CIF — Cost, Insurance, and Freight (Paid) (shipping)
RRSP — Registered Retirement Savings Plan (Canada; Roughly Equivalent To The IRA In The U.S.)
MLP — Master Limited Partnership
CFP — Certified Financial PlannerTM
FCFE — Free Cash Flow to Equity
UNZAP — United Nations Zambia Assistance Programme
CFIUS — Committee on Foreign Investment in United States
ECP — Engineering Change Proposals
CDI — Category Development Index
ISO — Incentive Stock Option
MOH — Music On Hold
IAP — Initial advance payment
CSA — Cost Sharing Arrangement
ADJ — Adjust
FS — Financial Statement
ACASTD — Advisory Committee on the Application of Science and Technology to Development
ETN — Exchange Traded Note
LC — Limited Company
DW — Dislocated Worker
PSC — Personal Service Corporation
AFTP — Anonymous File Transfer Protocol
COI — Conflict Of Interest
FCF — Free Cash Flow
ESO — Employee Stock Option
ECP — Emergency Conservation Program
NAFTA — North American Free Trade Agreement
NL — No-Load
RBM — Roll Back Malaria
FSLMRA — Federal Service Labor-Management Relations Act
CIMC — Certified Investment Management Consultant
GAAP — Generally Accepted Accounting Principles
NAICS — North American Industry Classification System
CERD — Committee on the Elimination of Racial Discrimination
LEC — Local Exchange Carrier
KYC — Know-your-customer
SEP — Simplified Employee Pension
INSARAG — International Search and Rescue Advisory Group
AIDA — Attention, Interest, Desire, Action
TAMRA — Technical and Miscellaneous Revenue Act of 1988

NQDC — Nonqualified deferred compensation
EBRI — Employee Benefit Research Institute
PLM — Product Lifecycle Management
TEV — Total Enterprise Value
FITW — Federal Income Tax Withholding
FHLMC — Federal Home Loan Mortgage Corporation, United States
SS — Social Security
CUM DIV — Cumulative dividend
MLP — Minimum lease payments
DAGMAR — Defining Advertising Goals for Measured Advertising Results
ASEAN — Association of South East Asian Nations
CSO — Central Statistical Organisation
STP — Software Test Plan
ISA — International Seabed Authority
LYON — Liquid Yield Option Note
VDT — Video Display Terminal
LCM — Lower of Cost or Market
OCF — Operating Cash Flow
ADEA — Age Discrimination and Employment Act
MBDA — Minority Business Development Agency
PE — Price-earnings ratio
MANOVA — Multivariate Analysis of Variance
OCR — Overall Capitalization Rate
APR — Annual Percentage Rate
PTE — Pass-Through Entity
MTTR — Mean Time To Recovery
URO — Utilization Review Organization
AJB — America’s Job Bank
MTC — Multistate Tax Commission
CODA — Cash or Deferred Arrangement (401K)
RE — Residual Earnings
AFR — Applicable Federal Rate
COST — Council on State Taxation
ROP — Run of Press
HDR — Humanitarian Daily Ration
FMV — Fair Market Value
AA — Adverse Action
CPA — Comprehensive Plan of Action
CLU — Chartered Life Underwriter
FSLIC — Federal Savings & Loan Insurance Corporation
SEA — Securities Exchange Act
UNHCR — United Nations High Commissioner for Refugees Program
RIC — Regulated Investment Company
MPEG — Moving Picture Experts Group (International Standards Organisation/International Electrotechnical Commission)
LTL — Less Than Truckload Lot
EOI — Expression Of Interest
BRE — Business Reply Envelope
ROA — Return on assets
BOT — Board of Trustees
NCSA — National Center for Supercomputing Applications

YRT — Yearly Renewable Term
NASDAQ — National Association for Security Dealers and Automatic Quotation
LOR — Letter Of Response
FERC — Federal Energy Regulatory Commission (U.S.)
CGMA — Chartered Global Management Accountant
NAR — National Association of Realtors
ECE — Economische Commissie voor Europa (United Nations) (Dutch: Economic Commission for Europe)
CFC — Chartered Financial Consultant
GOOS — Global Ocean Observing System (IOC, UNESCO, WMO, and ICSU)
MRD — Minimum Required Distribution
SSI — Supplemental Security Income
CBIT — Comprehensive Business Income Tax
ISSA — International Securities Services Association
CMBS — Commercial mortgage-backed securities
PERL — Practical Extraction and Report Language
ATB — Accountants Trial Balance
AIME — Average Index Monthly Earnings
NMS — Normal Market Size
LF — Labor Force
FWT — Federal Withholding Tax
QSF — Qualified Settlement Fund
ICANN — Internet Corporation for Assigned Names and Numbers
VAT — Value-added taxes
SERP — Supplemental Executive Retirement Plan
ESA — Coverdell education savings account
UCI — Unemployment Compensation Insurance
AIA — American Institute of Architecture
SAR — Summary Annual Report
CMMI — Capability Maturity Model Integrated
NSA — National Society of Accountants
SFH — Single Family Home
BBDO — Batten, Barton, Durstine & Osborn
B&P — Bid & Proposal
B2C — Business to Consumer
A/E — Accured expense
CPSC — Consumer Products Safety Commission
CC — Capital Contribution
COE — Certificate of Eligibility
MSA — Merit Salary Adjustment
TSR — Terminate and Stay Resident [software program]
SIV — Structured Investment Vehicle
FUTA — Federal Unemployment Tax Act
CIC — Consumer Information Center
OSG — Office of the Secretary-General
WT — Warrant
PITI — Principal, Interest, Taxes, and Insurance
ECF — Extended Care Facility
DAPT — Domestic Asset Protection Trust
AX — Armani Exchange
SSB — Securities Supervisory Board

HHS — Health and Human Services Department
BBB — Better Business Bureau's
ATA — Accredited Tax Advisor
OIOS — Office of Internal Oversight Services
DBT — Days Beyond Terms
NSA — Not Seasonally Adjusted
PIC — Prior Informed Consent
AAAA — American Association of Advertising Agencies
REG. — Regulation
SCA — Service Contract Act
AMPS — Auction Market Preferred Stock
AR — Accounts Receivable
WAP — Wireless Application Protocol
ROFR — Right of First Refusal (finance)
W/C — Working Capital
JOLTS — Job Openings and Labor Turnover Survey
ROS — Run Of Schedule
AAG — Audit and accounting guides
FHA — Federal Housing Administration
ALC — Alien Labor Certification
CAM — Common Area Maintenance (charges related to commercial leases)
CBCMC — Clinical Bar Code Multidisciplinary Committee
GIM — Gross Income Multiplier
UTMA — Uniform Transfers to Minors Act
ITARS — IT Acquisition Request System
ACP — Average Contribution Percentage
TCBY — The Country's Best Yogurt
AFP — Association for Financial Professionals
NAIC — National Association of Insurance Commissioners
OB — Office of Budget
ITIL — Information Technology Infrastructure Library
HSBC — Household Bank Corporation
A/E — Architect/Engineer
VOPAN — Voice Pitch Analysis
IMRB — Indian Market Research Bureau
FP — Fixed Price
DRTV — Direct Response Television
CEPS — Cash Earnings Per Share
MCI — Microwave Communications Incorporated
EIC — Earned Income Credit
UNICRI — United Nations Interregional Crime and Justice Research Institute
DRO — Domestic Relations Order
AMTFTC — Alternative minimum tax foreign tax credit
NSX — National Stock Exchange
INC. — Incorporated
NRE — Net realizable equity
ABV — Accredited in Business Valuation
DPO — Days payables outstanding
NLRA — National Labor Relations Act
AD & D — Accidental Death and Dismemberment

SMA — Separately Managed Account
MRPS — Mandatorily redeemable preferred stock
CEBS — Certified Employee Benefits Specialist
DOLETA — Department of Labor Employment and Training Administration
AA — Author Alteration
MLS — Mass Layoff Statistics
EAR — Export Administration Regulations
RSI — Relative Strength Indicator
SAT — Scholastic Aptitude Test
WIP — Work In Progress (process)
PR — Public Relations
CCL — Center for Creative Leadership
ADR — Asset Depreciation Range (finance)
T&D — Training and Development
QAI — Quality Assurance International
UPE — Unreimbursed Partnership Expenses
PCAOB — Public Company Accounting Oversight Board
NAAS — Network as a Service
OL — Operating Liabilities
CDFI — Community Development Financial Institution
ECOWAS — Economic Community of West African States
BDI — Brand Development Index
EITC — Earned Income Tax Credit
DCPP — Defined Contribution Pension Plan
CMYK — Cyan, Magenta, Yellow, Black
DSPP — Direct Stock Purchase Plan
ASG — Assistant Secretary General
ALBM — Automated Lending and Borrowing Mechanism
DHL — Dag Hammarskjöld Library
OER — Operation Expense Ratio
EBO — Employee Buyout
UNGOMAP — United Nations Good Offices Mission In Afghanistan and Pakistan
TRA — Tax Reform Act
FACCT — Foundation for Accountability
AAPC — Accounting and Auditing Policy Committee
FIE — Foreign-Invested Enterprise
XBRL — Extensible Business Reporting Language
NOL — Net Operating Loss
SIAP — Statistical Institute for Asia and the Pacific
SOC — Standard Occupational Classification
CGT — Capital Gains Tax
ECOA — Equal Credit Opportunity Act
BPM — Business Performance Management
PCCM — Percentage-of-completion/capitalized cost method
CNS — Continuous Net Settlement
C-TPAT — Customs-Trade Industry Against Terrorism
CFS — Container Freight Station
TDB — Temporary Disability Benefits
ABCP — Asset Backed Commerical Paper
ECOA — E-Mail Change of Address

HRM — Human Resource Management
LDI — Liability Driven Investment
LT — Lead Time
HECM — Home Equity Conversion Mortgage
SEM — Shared-Equity Mortgage
PAAS — Platform-as-a-Service
MTL — Multi-Level Marketing
IFC — International Finance Corporation
UNISPAL — United Nations Information System on the question of Palestine
PCFRC — Private Company Financial Reporting Committee
FNMA — Federal National Mortgage Association
FICCI — Federation of Indian Chamber of Commerce and Industry
BAT — Business Action Theory
BPC — Business Planning Cycle
HFS — Hold for sale
ROA — Regional Office for Africa
EBSA — Employee Benefits Security Administration
UNHCHR — United Nations High Commissioner for Human Rights
ACP — Actual deferral percentage
BRC — Business Reply Card
ERTA — Economic Recovery Tax Act
DINKS — Dual Income, No Kids
AWW — average weekly wage
CFTC — Commodity Futures Trading Commission
LOS — Law Of The Sea
RTN — Routing Transit Number
ESOT — employee stock ownership trust
AFICS — Association of Former International Civil Servants
LTA — Long-Term Agreement
NSF — Not Sufficient Funds
FVO — Fair Value Option
PTA — Preferential Trade Arrangement
DVA — Debt value adjustment
OIBITDA — Operating Income Before Interest, Taxes, Depreciation and Amortization
USG — Under Secretary General
IDA — Industrial Development Authority
SPAC — Special-purpose acquisition company
SPE — Special Purpose Entity
ICQ — Internal Control Questionnaire
GTL — Group Term Life Insurance.
CEU — Continuing Education Unit
MCC — Mortgage Credit Certificate
BPD — barrels per day
ROU — Right of Use
GNMA — Government National Mortgage Association
CRC — Committee on the Rights of the Child
EA — Electronic Arts Inc (NASDAQ Stock Exchange [NASDAQ])
DFEH — Department of Fair Employment and Housing's
LINTAS — Levers International Advertising Services
CLAT — Charitable Lead Annuity Trust

RFPA — Right to Financial Privacy Act of 1978
ISO — Independent Sales Organization
HC — Humanitarian Coordinator
PBGC — Pension Benefit Guaranty Corporation
SIB — Securities and Investment Board
NVI — Negative Volume Index
ASTD — American Society for Training and Development
VEBA — Voluntary Employees' Beneficiary Association
UNCTAD — United Nations Conference on Trade and Development
DESIPA — Department for Economic and Social Information and Policy Analysis
PUD — Planned Unit Development
BRD — Business Requirements Documentation
HPI — Human Poverty Index
FMCS — Federal Mediation and Conciliation Service
AE — Actual Expense
EFW — Electronic Funds Withdrawal
UNCED — United Nations Conference on Environment and Development
ICPD — International Conference on Population and Development
CPO — Chief of Purchasing Office
WTW — Welfare-to-Work
DIC — Document Identifier Code
EGI — Effective Gross Income
CUSIP — The Committee Of Uniform Security Identification Procedures
CPLTD — Current portion of long-term debt
SESA — State Employment Security Agency
MOF — Ministry Of Finance
ISO — International Standard Organisation
TRUPS — Trust Preferred Securities
CEDAW — Committee on the Elimination of Discrimination against Women
DBO — Death Benefit Only
ZEN — Zero Effort Network
DCAA — (U.S.) Defense Contract Audit Agency
PPE — Property, Plant and Equipment
LT — Long Terme
BOC — Budget Object Code
CISSP — Certified Information Systems Security Professional
ERM — Enterprise Risk Management
HDAPT — Hybrid domestic asset protection trust
SLS — Sales
TIC — Tenant In Common
BTCF — Before Tax Cash Flow
ATO — Administrative Time Off
RO/RL — Rool on/roll off
STAR — Satellite Television Asian Region, Ltd.
UCR — Usual, Customary and Reasonable Fees
ADS — Alternative Depreciation System
PHI — Protected Health Information
CEA — Chief Enterprise Architect
VA — Veterans Affairs
UNCC — United Nations Compensation Commission

JEC — Joint Economic Committee
OHCHR — Office of the United Nations High Commissioner for Human Rights
FOM — Field Operations Manual
BONUCA — United Nations Peace-Building Office in the Central African Republic
F&F — Furniture & Fixtures
SDI — State Disability Insurance
PVFC — Prepaid variable forward contract
GAAS — Generally Accepted Auditing Standards. Perhaps only marginally less contradictory than GAAP, but they do exist, honestly.
AFTS — Automatic Funds Transfer Services
PGI — Potential Gross Income
NDNH — National Directory of New Hires
CB — Carryback
ECOMOG — Economic Community of West African States' Monitoring Observer Group
EPCM — Exempt-contract, percentage-of-completion method
RAN — Revenue Anticipation Note
EVM — Earned Value Management
WHD — World Habitat Day
ACV — Account Current Value
ITMP — Information Technology Management Program
TWA — Time Weighted Averages
BOI — Business Object Interface
NCCI — National Council on Compensation Insurance
CRAFT — Computerised Relative Allocation of Facilities Techniques
ASF — American Securitization Forum
IBC — Independent Breweries Company (original manufacturer of IBC Root Beer)
FRA — Full Retirement Age
CRUT — Charitable Remainder Unitrust
S&P — Standard & Poor's
FPML — Financial Products Markup Language
SWOT — Strengths, Weaknesses, Opportunities and Threats
CEA — Commodity Exchange Authority
BTT — Business Transfer Tax
RSA — Rivest-Shamir-Adleman
CCI — Consumer Confidence Index
D&O — Directors and Officers Liability
BIA — Business Impact Analysis
SSD — Social Security Disability
SRA — Supplemental Retirement Annuity
ESS — Employee Self-Service System
SLOB — Separate Line of Business
ABMS — Activities Based Management System
HC — human capital
NSA — National Safety Associates
UNDOF — United Nations Disengagement Observer Force
TRASOP — Tax Reduction Act ESOP
NRF — National Retail Federation
CETA — Comprehensive Employment and Training Act of 1975
USF — Usable Square Feet
NPA — Non-Performing Assets
DMFAS — Debt Management and Financial Analysis System

MRQ — Most Recent Quarter
GPO — Guaranteed Purchase Option
ESOP — Employee Stock Option Plan
ITBAT — IT Budget Analysis Team
DWC — Days working capital
REA — Return on assets
OASDHI — Old Age, Survivors, Disability, and Health Insurance
CFA — Committee on Food Aid Policies and Programmes
NCUA — National Credit Union Administration
CBL — Common Business Language
NASBA — National Association of State Boards of Accountancy
GAAC — Government Accounting and Auditing Committee
SAAR — Seasonally Adjusted Annual Rate
BOA — Basic Ordering Agreement
PSI — Performance Salary Increase
FEIN — Federal Employment Identification Number
TSR — Tactical Studies Rules
ITC — Information Technology Conference
GIC — Guaranteed Investment Contract
DAF — Donor Advised Fund
CEMP — Comprehensive Emergency Management Program
IASB — International Accounting Standards Board
ROAE — Return on Assets Employed
FCB — Foote Cone & Belding
IBEW — International Brotherhood of Electrical Workers
ILO — International Labor Organization (UN)
HCO — Health Care Organization
PBT — Profit Before Tax
LTI — Long-term incentive
ALV — Average Lease Value (Cars)
VSOE — Vendor-Specific Objective Evidence
UNCCD — United Nations Convention to Combat Desertification
AGT — Agent
OCC — Office of the Comptroller of the Currency
SHRM — Society for Human Resource Management's
UNCT — United Nations Country Team
ESA — Employment Standards Administration
CS — Cost-Sharing
OCHA — Office for the Coordination of Humanitarian Affairs
CI — Contract Item
WPI — Wholesale Price Index
CIA — Certified Internal Auditor (US)
VHA — Veterans Health Administration's
BOP — businessowners policy
MBS — mortgage backed security
QBU — Qualified Business Unit
CICP — Centre for International Crime Prevention
FACHE — Fellow in American College of Healthcare Executives
STTR — Small Business Technology Transfer
SPD — Summary Plan Description

UDITPA — Uniform Division of Income for Tax Purposes Act
VUL — Variable Universal Life
UNCDF — United Nations Capital Development Fund
ICSAB — International Civil Service Advisory Board
EPPA — Employee Polygraph Protection Act
IPA — Inflation Protected Annuity
FCA — Farm Credit Administration
MST — Marketable Securities Tax
SMSA — Standard Metropolitan Statistical Area
FECA — Federal Employer’s Compensation Act
CPDO — Constant Proportion Debt Obligation
ADI — Area of Dominant Influence
NACUBO — National Association of College & University Business Organizations
PEG — Price to Earnings Growth
YOY — Year-over-year
COHRS — Central Office Human Resources Service
IAM — Identity and Access Management
WFC — World Food Council
ALTA — American Land Title Transfer
CLUT — Charitable Lead Unitrust
NNN — Net Net Net
FSA — Farm Service Agency
UNVFVT — United Nations Voluntary Fund for Victims of Torture
CSV — Cash Surrender Value
HCM — Human Capital Management
ICTY — International Criminal Tribunal for the Former Yugoslavia
WRLDWD — Worldwide
CBA — Controlled Business Arrangement
DUA — Disaster Unemployment Assistance
ACFE — Advisory Committee on Forestry Education
PWC — Public Works Commission
RTW — Right to Work
SSVS — Statement on Standards for Valuation Services
BCFD — Billion Cubic Feet per Day
MP3 — Moving Pictures Experts Group 1 Audio Layer 3
CHB — Custom House Broker
CEBS — Certified Employee Benefit Specialist
UNSCEAR — United Nations Scientific Committee on the Effects of Atomic Radiations
FIA — Federal Insurance Administration
C2C — Customer to Customer
UNIIMOG — United Nations Iran-Iraq Military Observer Group
FCCPA — Federal Consumer Credit Protection Act of 1968
WI — Working Interest
SB/SDB — Small Business/Small Disadvantaged Business
AFN — Additional Funds Needed
CSE — Customer Service Environment
GAO — Government Accounting Office
APB — Accounting Principles Board's
FEA — Fair Employment Act
AAGR — Annual average growth rate

DOM — Distributed Order Management
DII — Days in Inventory
SBA — Small Business Administrations
FMR — Fair Market Rental
IAS — International Accounting Standards
WIDER — United Nations University World Institute for Development Economics Research
NIOSH — National Institute of Occupational Safety and Health's
MSP — Managed Service Provider
ICGFI — International Consultative Group on Food Irradiation
ECAB — Employee's Compensation Appeals Board
LAIA — Latin American Integration Association
ZBB — Zero-based budgeting
UTLZTN — Utilization
DDSN — Demand-driven supply networks
IASC — International Accounting Standards Committee
EMP — Environmental Planning and Management
VAO — Virtual Acquisition Office
EPROM — Electrically Programmable Read Only Memory
MSB — Money Service Businesses
WCEFA — World Conference on Education for All
BAT — Budget Advisory Team
TEFRA — Tax Equity and Fiscal Responsibility Act of 1985
CPFFC — Cost-plus-fixed-fee contract
SS — Safety Stock
ESL — English as a second language
UNPD — United Nations Population Division
DCAP — Dependent Care Assistance Plan
HP — Hewlett Packard's
BML — Bean Markup Language
BRICS — Brazil, Russia, India, China and South Africa
TSP — Thrift Savings Plan
DOT — Dictionary of Occupational Titles
IOS — International Organization for Standards
CNC — Currently Not Collectible
CAPS — Convertible Adjustable Preferred Stock
UNFCCC — United Nations Framework Convention on Climate Change
UNCIVPOL — United Nations Civilian Police
ROC — Rate of Change
OP — Order Point
UNCITRAL — United Nations Commission On International Trade Law
CFC — Court of Federal Claims
STSFCTN — Satisfaction
BHC — Bank Holding Company
CSCS — Computer Software Components
NABA — National Association of Black Accountants, Inc.
AFC — Average fixed costs
RCN — Replacement Cost New
EDI — Electronic Date Interchange
INA — Immigration and Naturalization Act
HRD — Human Resource Development

ACW — African Centre for Women
GCOS — Global Climate Observing System (WMO, IOC, UNEP, and ICSU)
QPRT — Qualified Personal Residence Trust
GLA — Gross Leaseable Area
UNCSW — United Nations Commission on the Status of Women
CLA — Cross-Licensing Agreement
ACABQ — Advisory Committee on Administrative and Budgetary Questions
PIM — Product Information Management
CGL — Comprehensive General Liability
ASPPA — American Society of Pension Professionals & Actuaries
VSOP — Very Special Old Pale
NAAEC — North American Agreement on Environmental Cooperation
OM — Options Market
COSO — Committee of Sponsoring Organizations
PERAB — President's Economic Recovery Advisory Board
UNITAR — United Nations Institute for Training and Research
CEA — Certificate of Educational Achievement
DAN — Depositor Account Number
CPHR — California Professional in Human Resources Certification
A&S — Accident and sickness insurance
TTL — Total Linhas Aéreas
CSO — Chief Security Officer
COL — Cost Of Living
ERM — Enterprise Resource Management
PING — Pocket Internet Gopher
NRMLA — National Reverse Mortgage Lenders Association
UNAMSIL — United Nations Mission In Sierra Leone
TBC — To Be Contested
C&I — Commercial and industrial customers (Electricity transmission)
SMLLC — Single Member Limited Liability Company
0DSAC — 90 days, same as cash
NFFE — Nonfinancial foreign entity
CPE — Continuing Professional Educational
TESSA — Tax-Exempt Special Savings Account
ABC — Audit Bureau of Circulations Inc.
PAM — Pledged Account Mortgage
QJSA — Qualified Joint and Survivor Annuity
MLA — Minimum Liquid Assets
ICC — International Chamber of Commerce
BPM — business process management
MSI — Multiple Streams of Income
QME — Qualified Medical Examiner
VOCC — Vessel Operating Common Carriers
SITC — Standard International Trade Classification
DAC — Delivery Against Cost
ATU — Annual Tax Unit
NDA — Nondisclosure Agreement
SARSEP — Salary Reduction Simplified Employee Pension Plan
ITSM — Information Technology Service Management
CFOC — Chief Financial Officers Council

OLA — Office of Legal Affairs
BSNL — Bharath Sanchar Nigam Limited
NRI — Net Rising Index
EEOICPA — Energy Employee Occupational Illness Compensation Program Act
RJP — Realistic Job Preview
ECM — Enterprise Content Management
WAI — Wealth Added Index
ATB — Adjusted Trial Balance
SMM — Summary of material modifications
TIF — Tax Increment Financing
NNTP — Network News Transport Protocol (ATM)
ADP — Applicable Distribution Period
CHL — Customs house license
CE — Continuing Education
UNCHS — United Nations Centre for Human Settlements
SDVOSB — Service-Disabled Veteran-Owned Small Business
PIA — Primary Insurance Amount
CMSA — Consolidated Metropolitan Statistical Area
UNOCHA — United Nations Office for the Coordination of Humanitarian Affairs
OR — Operations research
SDD — Software Design and Development
CO — Compliance Officer
COFI — Cost of Funds Index
QSPE — Qualified special purpose entity
ICSC — International Civil Service Commission
TSA — Tax-sheltered annuity
NMFC — National Motor Freight Classification
ABLOS — Advisory Board on the Law of the Sea
HCTC — Health Coverage Tax Credit
CIPP/G — Certified Information Privacy Professional/Government
SSUTA — Streamlined Sales and Use Tax Agreement
BCS — Business Case Study
UNCCP — United Nations Conciliation Commission for Palestine
TAB — Tax Anticipation Bill
IAG — International Auditing Guidelines
UC — Unemployment Compensation
FACT — Fair and Accurate Credit Transactions Act of 2003
DFI — Derivative Financial Instrument
BRM — Business Reference Model
KSA — Knowledge, Skills, Abilities
HAFA — Home Affordable Foreclosure Alternative program
TA — Technology Assessment
ARS — Auction Rate Securities
ICDC — International Child Development Centre
YAHOO — You Are Hazy Over Oranges
UNTEA — United Nations Temporary Executive Authority
AATF — Airport and Airway Trust Fund
CVLI — Cash Value Life Insurance
IPS — Inflation Protected Security
UNAFRI — United Nations African Institute for the Prevention of Crime and the Treatment of Offenders

EAC — Employee Advisory Committee
FMC — Federal Maritime Commission's
CAT — Commercial Activity Tax
QR — Quality Review
LCL — Less than Carload Lot
MBE — Mortgage banking enterprise
PCE — Personal consumption expenditure; personal consumption expenditure deflator
CCPOQ — Consultative Committee on Programme and Operational Questions
MOTO — Mail order-telephone order
OD — Organizational Development
AET — Accumulated Earnings Tax
TOD — Transfer on death
SFOR — Stabilization Force
UNOVER — United Nations Observer Mission to Verify the Referendum in Eritrea
LTC — Long-Term Care
LR — Labor Relations
AMC — Appraisal Management Companies
VXML — Voice eXtensible Markup Language
C&D — Cease and Desist
UNIFIL — United Nations Interim Force In Lebanon
DVOP — Disabled Veterans Outreach Program
USAA — United Services Automobile Association's
HRIS — Human Resources Information System
SEPED — Social Development and Poverty Elimination Division
MCC — Merchant category codes
COLI — Cost of Living Index
CPP — Cost Per rating Point
ICM — Incentive Compensation Management
NAC — National Acquisition Center
SMI — Supplemental Medical Insurance (US Medicare Part B)
INS — Immigration & Naturalization Service
GEF — Global Environmental Facility (environment)
VA — Variable Annuity
AFB — American Farm Bureau, Inc.
JTPA — Job Training Partnership Act
VWAP — Value Weighted Average Price
OOB — OOS out of business
MTB — Motor transportation broker
AML — Adjustable Mortgage Loan
AFE — Average Funds Employed
EMT — Executive Management Team
EMV — Europay, Master Card and Visa
ILC — International Law Commission
EDGAR — Electronic Data Gathering, Analysis and Retrieval
FAME — Facilities Maintenance Engineering
WRAEA — Workforce Reinvestment and Adult Education Act
GSR — General Securities Representative
DUS — Dollar Unit Sampling
UNOHCI — United Nations Office of the Humanitarian Coordinator for Iraq
3COM — Computer, Communications and Compatibility

ITS — Intermarket Trading System
REMIC — Real Estate Mortgage Investment Conduit
MMC — Money market certificate of deposit
UNOMIG — United Nations Observer Mission In Georgia
FMHA — Farmers Home Administration
ITAC — Information Technology Advisory Committee
HWRP — Hydrology and Water Resources Programme
OCP — Overland Common Point
SCM — Supply Chain Management
CEC — Continuing Education Center
NPT — Non-Proliferation Treaty
OC — Opportunity Cost
STF — Summary Tape File
FCCC — For the Framework Convention on Climate Change
UNOMUR — United Nations Observer Mission Uganda-Rwanda
PIPE — Public investment in private equity
TPA — Third Party Administrator
EIA — Equity Indexed Annuity
SME — Small- to medium-sized entities
LEAF — Logistics, Engineering, Acquisition, and Finance
(X) — Export
ROC — Return on Capital
SIFMA — Securities Industry and Financial Markets Association
MTM — Market to Market
UNEF — United Nations Emergency Force
IRP — Industry Risk Premium
IAB — Internet Advertising Bureau
BET — Business entity tax
IUC — Information Unit for Conventions
ASCI — Advertising & Standards Council of India
SWT — State witholding tax
EIC — Earned Income Tax Credit
CEA — Council of Economic Advisors
FLP — Family Limited Partnership
CHFC — Chartered Financial Consultant
ISM — Interactive Studio Management
ETC — Estimate To Completion
SSBIC — Specialized Small Business Investment Company
MAGI — Modified Adjusted Gross Income
CBFA — Committee on Budget, Finance and Administration
CAPP — Cash Account Pension Plan
HRA — Health Reimbursement Account
BAA — Business Associate Agreement
PTAC — Procurement Technical Assistance Center
UAW — United Auto Workers
CIK — Central index keys
HRA — Health Reimbursement Arrangement
PAR — Public Accounting Report
SSDI — Social Security Disability Insurance
UNDAF — United Nations Development Assistance Framework

DAW — Division for the Advancement of Women
EAPA — Employee Assistance Professionals Association, Inc
UNCRD — United Nations Centre for Regional Development
FOK — Fill-or-kill order
UNSCOM — United Nations Special Commission for the Elimination of Iraq's Weapons of Mass Destruction
UNRISD — United Nations Research Institute for Social Development
GRID — Global Resource Information Database (UNEP)
IRD — Income in respect of a decedent
USRPHC — U.S. real property hodling corporation
CRM — Credit Risk Management
DBPP — Defined Benefit Pension Plan
LEO — Long-term Equity Options
NRD — Normal Retirement Date
OI&T — Office of Information and Technology
CCPA — Consumer Credit Protection Act
DK — Dorling Kindersley
DMB&B — D'arcy Masius Benton & Bowles
ECR — Executive Conference Room
UNOMIL — United Nations Observer Mission In Liberia
OFCCP — Office of Federal Contract Compliance Programs
GPHR — Global Professional in Human Resources
FASIT — Financial asset securitization investment trusts
EFTA — European Free Trade Area
MDIB — Minimum Distribution Incidental Benefit
URLA — Uniform Residential Loan Application
D&B — Dun & Bradstreet
ADP — Attention Dial Pulse
RI — Royalty Interest
GSTP — Global System of Trade Preferences
WRC — World Radiocommunication Conference
UNOG — United Nations Office at Geneva
LEI — Leading Economic Indicators
UNOGBIS — United Nations Peace-Building Support Office in Guinea-Bissau
IAF — Inflation Adjustment Factor
CCM — Completed Contract Method
PE — Price to Earnings Ratio
UNDHL — United Nations Dag Hammarskjölds Library
LHWCA — Longshore and Harbor Worker’s Compensation Act
M&A — Merger & Acquisition
CSA — Capital Support Agreements
UTC — Uniform Trust Code
SBC — Summary of Benefits and Coverage
CAA — Congressional Accountability Act
HRMS — Human Resource Management System
SDNP — Sustainable Development Networking Programme
SSOP — Second Surgical Opinion Program
SBRB — Small Business Research Board
VWAP — Volume-weighted average price
UNIPTF — United Nations International Police Task Force
CPC — Committee for Programme and Coordination

ITMRA — Information Technology Management Reform Act (Part of the Clinger-Cohen Act)
IRMAA — Income Related Medicare Adjustment Amount
FBAR — Foreign Bank & Financial Account
DIT — Deposit in Transit
BPO — Bargain Purchase Option
ITAM — IT asset management
WPP — Wire and Plastic Products
FAS — Financial Accounting Standards
AC — Acceleration Clause
CBI — Compliance and Business Integrity
PT — Part-Time
OSSG — Office of the Spokesman for the Secretary-General
ESAF — Enhanced Structural Adjustment Facility
TAT — Total asset turnover
RFA — Regulatory Flexibility Act (US)
I-9 — I-9 Form
BCA — Board of Contract Appeals
IDNDR — International Decade for Natural Disaster Reduction
ITSD — Information Technology Services Division
WBG — World Bank Group
PBA — Pending bank approval
EECB — Executive E-mail Carpet Bomb
ILC — Industrial Loan Company
CODI — Cancellation of Debt Income
QWL — Quality of Work Life
ITLO — Information Technology Logistics Office
BDI — Behavioral Description Interview
ZEN — Zero Engine Noise
GAW — Global Atmosphere Watch (WMO)
ADP — Automatic Data Processor
LOC — Letter of Comment
PA — Public Accountant
ARR — Average Rate of Return
INSTRAW — International Research and Training Institute for the Advancement of Women
OGC — Office of the General Counsel
DTCC — Depository Trust & Clearing Corp
TL — Time & Labor
ADAS — Associate Deputy Assistant Secretary
CCH — Commerce Clearing House
PCS — Post-contract customer support
NPL — Nonperforming loan
TC — Trusteeship Council (UN)
CSPN — College Savings Plan Network
LCC — Life Cycle Cost
UNAMIR — United Nations Assistance Mission for Rwanda
A/S — Account sales
OCBOA — Other Comprehensive Basis of Accounting
GTOS — Global Terrestrial Observing System
ACFR — Advisory Committee on Fishery Research
A&I — Accident and Indemnity

GASB — Governmental Accounting Standards Board
CFBT — Cash flow before taxes
PTSD — Post Traumatic Stress Syndrome
UNV — United Nations Volunteers Programme
GMIB — Guaranteed Minimum Income Benefit
COPICS — Communication Oriented Production and Information Control System
MUD — Multiple User Dungeon
SBD — Small Disadvantaged Business
AUI — Auxiliary Unit Interface
UMB — United Missouri Bank
DNAMTI — Distributable Net Alternative Minimum Taxable Income
HARP — Home Affordable Refinance Program
DPSP — Deferred Profit Sharing Plan
HRIS — Human Resource Information System
IETC — International Environmental Technology Centre
FRS — Functional Requirements Specifications
FSR — Financial Strength Rating
IMR — Information Management Research
DUSB — Deputy Undersecretary for Benefits
CSR — Corporate Social Responsibilty
HCA — head of contracting activity; humanitarian and civic assistance
MEWA — Multiple Employer Welfare Arrangement
NCCUSL — National Conference of Commissioners on Uniform State Laws
ACRB — Architectural Change and Review Board
SAS — Statement of Accounting Standards
BPO — Business Process Optimization
UNJSPF — United Nations Joint Staff Pension Fund
COP — Conference of the Parties
PWBA — Pension and Welfare Benefits Administration
PMV — Private Market Value
FMOC — Federal Open Market Committee
OR — Operating revenue
DEFRA — Deficit Reduction Act
SRSG — Special Representative of the Secretary-General
AMCD — Audit and Management Consulting Division
UNSO — United Nations Sudano-Sahelian Office
ATNOLD — Alternative Minimum Tax Net Operating Loss Deduction
CSEMO — Corporate Senior Executive Management Office
UCR — Usual, customary, and reasonable
NFTC — National Foreign Trade Council, Inc.
SSBCI — State Small Business Credit Initiative
TEA — Technology-enabled auditing
B2C — Business to Citizen
RFM — Rcency, Frequency, Monetary Analysis
P/E — Price-to-earnings ratio
WARN — Worker Adjustment and Retraining Notification Act of 1988
CSD — Commission on Sustainable Development's
JPO — Junior Professional Officer
CPI-W — Consumer Price Index for Urban Wage Earners and Clerical Workers
IPMA — International Personnel Management Association

PFR — Portable Font Resource
FEI — Financial Executives Institute
ARD — Actual retirement date
B.S. — Bachelor of Science
MSER — Multi-state Employer Registration
TVI — Trade Value Index
AGGG — Advisory Group on Greenhouse Gases
D&F — Determination & Finding
SOV — Share Of Voice
OTB — Off-Track Betting
USRPI — U.S. real property interest
NRA — Non-Resident Alien
HQS — Housing Quality Standards
MSRB — Municipal Securities Rulemaking Board
NACM — National Association of Credit Management
MTNL — Mahanagar Telephone Nigam Limited
UNIDO — United Nations Industrial Development Organization
IEC — Inter Exchange Carrier
CSUM — Common Security User Manager
QNEC — Qualified nonelective contributions
EOSG — Executive Office of the Secretary-General
TALF — Term Asset-Backed Securities Loan Facility
STD — Short-term disability
EDA — Economically Depressed Area
F&C — Free and Clear
GEM — Growing Equity Mortgage
ABS — Asset Based Securitization
GINA — Genetic Information Nondiscrimination Act of 2007
IDB — Industrial Development Bond
CFIA — Competency Framework for Internal Auditing
ZAW — Zero Administration for Windows
FSP — FASB Staff Position
XML — Extended Markup Language
CHRC — Canadian Human Rights Commission
CCSQ — Consultative Committee on Substantive Questions
PEC — Potential earnings converted
IDS — Income Deposit Securities
WCC — World Climate Conference
SITW — State income tax withholding
ICRA — Investment Information and Credit Rating Agency
UNOMSA — United Nations Observer Mission in South Africa
APOC — Administrative Point of Contact
OER — Owner's equivalent rent
BB — Base Benefits
AIC — Architecture and Infrastructure Committee
UNOSOM — United Nations Operation in Somalia
DRC — Deficit Reduction Contribution
FRA — Federal Reserve Act
FAAS — Financial Assurance and Accountability Standards
SHD — Sustainable Human Development

RIM — Retail Inventory Method
CPCU — Chartered property and casualty underwriter
RMBS — Residential mortgage backed securities
OSBDU — Office of Small and Disadvantaged Business Utilization
VOB — Veteran-Owned Business
INCB — International Narcotics Control Board
AGFFA — Advisory Group on Financial Flows to Africa
HRLY — Hourly
SBBA — Sales and Buy-Back Agreement
CSD — Commission for Social Development
JCT — Joint Committee on Taxation
EDP — Employee Development Plan
EMIF — Emerging Issues Task Force
DAP — Direct Access Program
OOH — Occupational Outlook Handbook
GEENET — Global Environmental Epidemiology Network
NABARD — National Bank for Agricultural and Rural Development
LLDIE — Limited life debt investment entity
FWCW — United Nations Fourth World Conference on Women
ROTC — Reserve Officer Training Corporation
WCP — World Climate Programme (WMO/ICSU)
AFN — Annual Funding Notice
QTIP — Qualified Terminable Interest Property
WKLY — Weekly
NFIB — National Federation of Independent Business
UNSMIH — United Nations Support Mission In Haiti
LCD — Labor Cost Distribution
DSPE — Deputy Senior Procurement Executive Known
AAA — Authentication, Authorization & Access
OSDBU — Office of Small and Disadvantaged Business Utilization
CSVLI — Cash surrender value life insurance
NEO — New and Emerging Occupations
GRC — Goverance, risk and compliance
DTP — Data Transfer Program
BIRLS — Beneficiary Identification Records Locator Subsystem
GAGAS — Generally Accepted Government Accounting Standards
DOCO — Development Operations Coordination Office
TAA — Trade Adjustment Act
CCOP — Coordinating Committee for Coastal and Offshore Geoscience Programmes in East and South East Asia
APIC — Additional paid-in capital
ARB — Accident Review Board
BQ — Best Qualified
ASBL — American Small Business League
CTI — Computer/Telephone Integration
ASR — Accelerated Stock Repurchase
ITC — International Trade Center
DSI — Discretionary Salary Increase
LTCG — Long-term capital gain
CPP — Consumer Preferences and Policy
SHOP — Small Business Health Options Program

ACII — American Association of Individual Investors
MBA — Masters of Business Administration
ULPA — Uniform Limited Partnership Act
ALBCC — Account Level Budget Cost Center
UNL — Universal Networking Language
DSW — Discount Shoe Warehouse
IFOR — Implementation Force
EDA — Economic Development Administration's
BEIT — Business Enterprise Income Tax
TILA — Truth In Lending Act
CTI — Category, Type, Item
P&I — Principle and interest payment
MHAEA — Mental Health and Addiction Equity Act
D/L — Demand loan
FUNSA — Federation of Staff Association of the United Nations and its Specialized Agencies
FMRR — Financial Management Rate of Return
CCC — Commodity Credit Corporation
TRNSFR — Transfer
GNC — General Nutrition Centers
ECN — Electronic Communications Network
IDB — Industrial Development Board
SLA — Share lending agreement
NE — Non-Exempt
NAPAT — National Association for Private Annuity Trusts
UDR — Unused development rights
LLIC — Limited liability investment company
LMA — Labor Market Area
C&A — Certification & Authority
ADA — Associate Deputy Administrator
CEOSH — Center for Engineering & Occupational Safety and Health
SSD — Social Security Disability
CCHR — Canadian Council on Human Resources
OIS — Overnight Index Swaps
UNTAC — United Nations Transitional Authority in Cambodia
PEP — Personal Exemption Phaseout
ELI — Equity Linked Investments
QR — Quarterly Report
USOA — Uniform system of accounts
LMI — Lender's mortage insurance
S&L — Savings and Loan
HCSA — Health Care Spending Account
E&P — Earnings & Profits
GIWA — Global International Waters Assessment
LDW — Last Day Worked
UNDCP — United Nations International Drug Control Programme
IGE — Intergovernmental Group of Experts
GAAFR — Governmental Accounting, Auditing, and Financial Reporting
TPS — Transaction processing services
BAN — Bank anticipation notes
SEDR — Systems Engineering and Design Review

IRB — Internal Revenue Bulletin
ALC — Agency Location Code
NSBA — National Small Business Association
DNA — Distributed Internet Application Architecture
ZEBRA — Zero-balance reimbursement account
DITE — Division on Investment, Technology and Enterprise Development
TPRB — Trade Policy Review Body
PM PAR — Program Management Policy, Assessment, and Reporting
EOLI — Employer owned life insurance
CAO — Contract Administration Office
GAO — General Accountability Office
DDB — Doyle Dane Bernbach
GMP — Guaranteed Maximum Price
HVCC — Home Valuation Code of Conduct (mortgage and appraisal industry)
SDE — Service Delivery and Engineering
NIPA — National income and product accounts
RIPA — Retirement Income Policy Act
SPHR — Senior Professional Human Resources
UNTAET — United Nations Transitional Administration in East Timor
RELP — Real Estate Limited Partnership
REA — Retirement Equity Act
FRN — Floating rate notes
FALD — United Nations Field Administration and Logistics Division
TOFC — Trailer On Flat Car
ING — Internationale Nederlanden Group (a Financial Company)
ASB — Auditing Standards Board's
SOBO — Small Office Business Office
UNAIDS — Joint United Nations Programme on HIV/ Acquired Immune Deficiency Syndrome
HUDCO — Housing and Urban Development Corporation Limited
CBO — Chief Business Office
NAO — National Administrative Offices
FASAC — Financial Accounting Standards Advisory Committee
TCOE — Total Cost of Equity
RFB — Request For Bid
EBP — Employee Benefits Plan
CEHIST — Center for Evaluation of Healthcare Information Systems & Technology
ITEAM — Information Technology Enterprise Architecture Management
BV — Book value
USPAP — Uniform Standards of Professional Appraisal Practice
PCE — Private Commercial Enterprise
USTC — United States Tax Court
SPX — Standard and Poor’s Index
CDS — Credit default swaps
LAC — Division for Latin America and the Caribbean
SRO — See Self-Regulatory Organization
SDVOB — Service-disabled veteran owned business
AC — Associate Chief of Staff
VBIA — Veterans Benefits Improvement Act of 2004
IEFR — International Emergency Food Reserve
FLC — Foreign Labor Certification

VEVRA — Vietnam-Era Veterans Readjustment Act
SECA — Self-Employment Contributions Act
BPC — Budget Priority Committee
IFEBP — International Foundation of Employee Benefit Plans
CWHSSA — Contract Work Hours and Safety Standards Act
BNIB — Business Needs and Investment Board
FOF — Fund of Funds
DBIC — Data Base Integration Committee
UNTMIH — United Nations Transitional Mission in Haiti
VPT — Volume Price Trend
NCO — Net chargeoffs
UI — Unemployment Insurance
CTJ — Citizens for Tax Justice/Institute on Taxation and Economic Policy
MEC — Minimum essential coverage
PFK — Pay-for-knowledge-and-skills plans
UNEP-IE — United Nations Environment Programme Industry and Environment Centre
DBA — Davis-Bacon Act
L/V — Loan-to-value ratio
PMSA — Primary Metropolitan Statistical Area
SIC — Standard industrial clssification
SPE — Senior Procurement Executive
IREA — Intermountain Rural Electric Association
EPA — Expanded Programme of Assistance
UNMOT — United Nations Mission of Observers in Tajikistan
CRPC — Chartered Retirement Planning Counselor
TN — Temporary Visa
RET — Retirement earnings test
JAN — Job Accommodation Network's
MHPA — Mental Health Parity Act of 1996
DWC — Division of Workers Compensation
CDR — Centre for Documentation and Research
NAVA — National Association for Variable Annuities
ODCF — Owner's Discretionary Cash Flow
SRO — Self Regulatory Organization
DR. — Debit
SEPHA — Special Emergency Programme for the Horn of Africa
SFAS — Statements of Financial Accounting Standards
UNOPS — United Nations Office for Project Services
IHRIM — International Association of Human Resource Information Management
USD — US Dollars
FT — Full-Time
TUR — Total Unemployment Rates
IBDOEI — Income before discontinued operations and extraordinary items
PPA — Pension Protection Act of 1987
A&A — Advisory & Assistance
HRCI — Human Resource Certification Institute
KFC — Kentucy Fried Chicken
CESCR — Convention on Economic, Social and Cultural Rights
AFSCME — American Federation of State, County and Municipal Employers
LRO — Labor Relations Officer

ICS — Information Centres Services
CHRC — Criminal History Records Check
UNIPOM — United Nations India-Pakistan Observation Mission
B&N — Barnes and Noble
NATP — National Association of Tax Professionals
MOC — Market On Close
OEBS — Office of Employee Benefits Security
UNIDIR — United Nations Institute for Disarmament Research
UNOMSIL — United Nations Observer Mission in Sierra Leone
MPPAA — Multiemployer Pension Plan Amendments Act
FO — Foreign to occupation
ITOC — Information Technology Oversight & Compliance
LDC — Low Death Conflict
PBM — Pharmacy Benefits Management (or Manager)
SBO — Small Business Ombudsman
PJ — Purchases journal
UNLTC — United Nations Military Liaison Team in Cambodia
GCT — General Corporation Tax
JVC — Japan's Victor Company
FEP — Fair employment practice
STOLI — Stranger-originated life insurance
QIE — Domestically controlled qualified investment entity
FPO — Fruit Products Order
VWPX — Volume Weighted Price Uncrossing
UNMIBH — United Nations Mission in Bosnia and Herzegovina
GWAC — Government Wide Acquisition Contract
A&A — Assessment and Accreditation
DGFT — Director General of Foreign Trade
JECFA — Joint Expert Committee on Food Additives
D2D — Developer to Developer
CFPB — Consumer Finance Protection Bureau
KSA — Knowledge Skills or Abilities
ATNOL — Alternative Minimum Tax Net Operating Loss
DM — Department of Management
UNSECOORD — Office of the United Nations Security Coordinator
SBLF — Small Business Lending Fund
GIPS — Global Investment Policy Standards
OIP — Office of the Iraq Programme
QTD — Qualified Total Distribution
SDA — Self-directed brokerage account
CHS — Commission on Human Settlements
IAAS — Infrastructure as a Service
UFW — United Farm Workers
RDC — Remote Deposit Capture
UNSC — United Nations Security Council
PCM — Percentage-of-completion method
SST — Streamline Sales and Use Tax Agreement
CFS — Committee on World Food Security
IASA — Internation Air Shipper's Association
LLTC — Limited liability trust company

FERS — Federal Employees Retirement System
MTHLY — monthly
SLA — Supplemental Lease Agreements
SRPM — Stated Redemption Price at Maturity
IAPSO — Inter-Agency Procurement Services Office
VLI — Variable Life Insurance
EBSA — Employee Benefit Security Administration's
BAT — Bureau of Apprenticeship and Training
TPD — Third-party designee
AIMS — Advertising and Integrated Marketing Solutions
VAL. — Value
UNISTE — United Nations International Symposium on Trade Efficiency
QE — Quarter Ending
SBJPA — Small Business Job Protection Act of 1996
FPM — Flexible Payment Mortgage
BLBA — Black Lunch Benefits Act
DFS — Dancer Fitzerald Sample
SAAR — Seasonally Adjusted Annualized Rate
DPGA — Deferred Payment Gift Annuity
IACWGE — Inter-Agency Committee on Women and Gender Equity
EM — Emergency Loan Program
NRV — Net recoverable value
GAW — Guaranteed Annual Wage
SSNVS — Social Security Number Verification System
UNMACC — United Nations Mine Action Coordination Centre
USCIS — US Citizenship and Immigration Services
SGML — Standard Generalised Markup Language
NRA — Normal Retirement Age
WHCRA — Women’s Health and Cancer Rights Act of 1998
POC — Pacific Operations Centre
IFUP — International Forum on Urban Poverty
CCR — Central Contractor Registeration
ULP — Unfair Labour Practices
IMRO — Investment Management Regulatory Organisation
ALA — American Legion Auxiliary
SBI — Site Build It
ASHHRA — American Society for Healthcare Human Resources Administration
PRA — Paperwork Reduction Act of 1980
ECDC — Economic Cooperation Among Developing Countries
DRPC — Division for Resources Planning and Coordination
AWL — Actual Wage Loss
COSVA — Chief of Staff
CRSR — Congressional Research Service Report
UNDAW — United Nations Division for the Advancement of Women
EBO — Equity buy out
LDP — Last Day Paid
OEL — Offshore Employee Leasing
NOLD — Net Operating Loss Deduction
PCE — Pre-existing Condition Exclusion
GPML — Global Programme Against Money Laundering

SAM — System for Award Management
EBS — Employee Benefits Security
IOLTA — Interest on Lawyer's Trust Account
PUT — Persons Using Television
ALBRS — Automated Lending and Borrowing in Rolling Settlement
ACLI — American Council of Life Insurance
FAC-C — Federal Acquisition Certification in Contracting
CBHCO — Community-Based Health Care Organization
ODCCP — United Nations Office for Drug Control and Crime Prevention
SV — Salvage value
GIST — Graphics and Intelligence based Script Technology
CSP — Certified Speaking Professional
UNPROFOR — United Nations Protection Force (in Former Yugoslavia)
ODPR — Office for Displaced Persons and Refugees
KMI — Knowledge Management Initiative
UNPD — United Nations Procurement Division
J&S — Joint and Survivorship
CALS — Continuous Acquisition Lifecycle Support
TIFF — Tagged Interface File Format
MOD — Manufacturing on demand
NASDR — National Association of Securities Dealers Regulation
SAMS — Systemic Advocacy Management System
UNMAS — United Nations Mine Action Service
VBA — Veterans Benefit Administration
CEIS — Corporate Executive Information System
I&A — Interest and amortization
PDM — Program Decision Maker
USM — Unlisted Securities Market
OTI — OSHA Training Institute
VOSB — Veteran-Owned Small Business
JEEP — Joint Ethics Enforcement Plan
USCIS — U.S. Citizenship and Immigration Service
WMU — World Maritime University
FSB — Fortune Small Business
GEMS — Global Environment Monitoring System
CBRS — Currency banking and retrieval system
NMHPA — Newborns’ and Mothers’ Health Protection Act
UNDC — United Nations Disarmament Commission
NBIA — National Business Incumbation Association
DGAACS — Department of General Assembly Affairs and Conference Services
NCAO — National Cemetery Area Office
MW — minimum weight
UNMIH — United Nations Mission In Haiti
MSPR — Medicare Secondary Payer Rules
HCIP — Harmonized Index of Consumer Pricing
JAIN — Joint American Indian Network
SNT — Supplemental Needs Trust
ECU — Emergency Coordination Unit
CISC — Common Instruction Set Computer
BOC — Business Operations Committee

NAEA — National Association of Enrolled Agents
UNDG — United Nations Development Group
ILM — Industrial Light and Magic, Inc.
CCP — Collateralized commercial paper
CFO — Chief Financial/Fiscal Officer
BDC — Business Development Council
BREP — Business Requirements Engineering Process
ITC — International Training Centre
WHYCOS — World Hydrological Cycle Observing System
SDCF — Sellers Discretionary Cash Flow
BPO — Broker Price Opinion
FYE — Fiscal year ended
UNCA — United Nations Correspondents Association
JRPU — Joint Reintegration Programming Unit
COAS — Clinical Observation Access Control
BCAG — Business Community Advisory Group
TEA — Transportation Efficiency Act
MINX — Multimedia Information Network Exchange (system)
PPIP — Public-Private Investment Program
DME — Development/Maintenance/Enhancement
USC — United States Code
IBD — Investors Business Daily
SSTP — Streamlined Sales Tax Project
IQPA — Independent Qualified Public Accountant
USERRA — Uniform Services Employment and Reemployment Rights Act
SMES — Small- and medium-scale enterprises
EPLI — Employee practices liability insurance
IDS — International Development Strategy
TCDC — Technical Cooperation among Developing Countries
UNYOM — United Nations Yemen Observation Mission
B2C — Business to Comerce
CTFA — Certified trust & financial advisor
SMB — Small- to medium-sized business
DSA — Disaster Debt Set-Aside Program
WDC — Workforce Development Center
NUA — Net Unrealized Appreciation
PVT — Persons Viewing Television
AETF — African Emergency Task Force
DI — Debt instrument
ETR — United Nations Education and Training Programme
NAP — Noninsured Crop Disaster Assistance Program
R&C — Reasonable and Customary
GWG — Gender Working Group
CCS — Care Coordination Services
NAALC — North American Agreement on Labor Cooperation
CCISUA — Coordinating Committee of International Staff Unions and Associations of the United Nations System
FTR — family tracing and reintegration
VRP — Variable Rate Premium
OHCA — Organized Health Care Arrangement
FSA — Flexible Spending Arrangement

PE — Pass-through entity
UNICC — United Nations International Computer Centre
E/M — Evaluation and Management
CFRS — Carry Forward in Rolling Settlement
UNMOGIP — United Nations Military Observer Group In India & Pakistan
UNMO — United Nations Military Observers
ISMUN — International Student Movement for the United Nations
DBB — Design-bid-build
ODDS — Online Data Delivery System
SBIR — Small Business Innovation and Research
CEFU — Continuing Education Field Unit
UNSD — United Nations Statistic Division
CSA — Common Services Architecture
OES — Occupational Employment Statistics
BKPR — Be Kind, Please Rewind
T/B — Trial balance
DOBI — Department of Defense Instruction
POB — Public Oversights Board
QCR — Quarterly Contributions Report
GST — Generation-Skipping Transfer
LOW — Lack of Work
AA — Average Audience
CONGO — Conference on Non-Governmental Organizations
FABS — Financial and Business Solutions
UNTAES — United Nations Transitional Administration for Eastern Slavonia, Baranja and Western Sirmium
OIS — Occupations Information System
LTD — Long Term Insurance
EPAU — Evaluation and Policy Analysis Unit
CFP — Clinical Financial Planner
PE — Printer Error
PD — Procurement Division
PPBD — Programme Planning and Budget Division
EBRI — Employee Benefits Research Institute
RA — Resident Alien
HAC — Health Administration Center
UNCJIN — United Nations Crime and Justice Information Network
CEIT — Comprehensive business income tax
PDA — Public Displays of Affection
TAC — Technology Assessment Committee
UNREO — United Nations Rwanda Emergency Office
AGFUND — Arab Gulf Programme for United Nations Development Organizations
ISBA — International Seabed Area
CBD — Chief Benefits Director
ASSE — American Society of Safety Engineers-Professional
RDMHQ — Rapidly Deployable Mission Headquarters
STIP — Short-Term Industry Projections
UNIC — United Nations Information Centre
KMI — Key Man Insurance
VRM — Variable Rate Mortgage
NTU — National Taxpayer's Union

UNAVEM — United Nations Angola Verification Mission
EPLI — Employment Practices Liability Insurance
TEUC — Temporary Extended Unemployment Compensation
EAO — Executive and Administrative Office
FCA — Division for Finances, Control and Administration
UNOB — United Nations Office in Burundi
UNHQ — United Nations Headquarters
BIOLAC — United Nations University Programme for Biotechnology in Latin America and the Caribbean
BPO — Budget process outsourcing
R/E — Retained earnings
ERD — Emergency Response Division
RPO — Recruitment process outsourcing
SSARS — Statement on Standards for Accounting and Review Services
CDARS — Certificate of Account Registry Service
DESA — Department of Economic and Social Affairs
IIOP — Internet Inter operable ORB Protocol
A/O — Administrative Offices
PCB — Programme Coordination Board
TARP — Troubled Assets Relief Program
COFI — Committee on Fisheries
PERC — Premiums, earnings and reasonable charges
DIMA — Division of Information Management and Analysis
EB — Extended Benefits
SLE — Single lease expense
POD — Professional & Organizational Development
SPFS — Special Programme for Food Security
MSPA — Migrant and Seasonal Agriculture Worker Protection Act
MFST — Manifest
UNSCO — Office of the United Nations Special Coordinator for the Middle East
SEAROWHO — Regional Office for South-East Asia Region
COAG — Committee on Agriculture
IPI — Industrial Protection Index
CVE — Center for Verification and Evaluation
VOC-REHAB — Vocational Rehabilitation
NAHB — NATIONAL ASSOCIATION OF HOMEBUILDERS
EAP — Employee Assistance Plan
BRB — Benefit Review Board
PBC — Programme and Budget Committee
FSET — Federal State Employment Taxes
IAS — United Nations University Institute of Advanced Studies
QAIP — Quality Assurance and Improvement Plan
WPRO — Western Pacific Regional Office
COD — Country Operations Division
QREC — Quality Review Executive Committee
PPA — Paperwork Reduction Act
UNFALD — United Nations Field Administration and Logistics Division
USENET — USEr NETwork
CAMPS — Cumulative Auction Market Preferred Stock
COBRA — Common Object Request Broker Architecture
GPRS — General Packet Radio System

SWA — State Workforce Agencies
NIB — New In the Box
DSPD — Division for Social Policy and Development
SSDI — Social Security Disability Indemnity
TCPC — Technical Committee for Programme and Coordination
FELA — Federal Employment Liability Act
BIMS — Business Information Management Suite
VPFC — Variable Prepaid Forward Contract
XFRML — XML based Financial Reporting Markup Language
PL/PD — Personal liability/property damage
SCIN — Self-canceling installment note
USPTO — U.S. Patent and Trademark Office
SJ — Sales Journal
UNOGIL — United Nations Observation Group In Lebanon
MF — Medical Facilities
IUR — Insured Unemployment Rates
BKPR — Bookeeper
DCM — Department Cost Manager
FIRPTA — Foreign Investment in Real Property Tax Act
CIP — Capital Investment Process
CPS — Core Products and Services
POP — Point-of-purchase
DBIA — Database Integration Agreement
DUZ — Designated User
PKO — Peace-Keeping Operation
SYD — Sum-of-the-years-digits
HTTP — Hyper Text Transport Protocol
TRD — Trade Relations Division
CO — Contracting Officer
ICDAIT — International Conference on Drug Abuse and Illicit Trafficing
DDB — Deemed death benefit
BSAD — Baseline System Architecture Document
NR — Not Rated
SUB — Supplemental Unemployment Benefit
KFOR — UN Kosovo Force
AIR — Assumed Investment Rate
SMP — Special Multiperil Policy
BCBS — Blue Cross/Blue Shield
ODF — OpenDocument Format
WCB — Workers Compensation Board
MSFW — Migrant and Seasonal Farm Worker
DEC — Deductible voluntary employee contributions
IPDC — International Programme for the Development of Communications
HRC — Historic Rehabilitation Credit
CCA — Consolidated Contracting Activity
WOSB — Woman-Owned Small Business
IPECILO — International Programme for the Elimination of Child Labour
FEP — Fair Employment Practices
WCC — Working capital cycle
PL — Profit and Loss

JSSA — Jury Selection and Service Act
CRISIL — Credit Rating Investment Services India Limited
LTP — Long-Term Plan
UNHSP — United Nations Human Settlements Programme
K/A — Known as
UNMIK — United Nations Interim Administration Mission in Kosovo
PH.D. — Doctorate Of Philosophy
IMFL — Indian-Made Foreign Liquor
CUNA — Credit Union National Assocation
EHLP — Emergency Homeowners Loan Program
SFO — Solicitatio for offers
ATP — Acquisition Training Program
LM — Last Month
EPPG — Emergency Prevention and Preparedness Group
SVNGS — Savings
VCL — Vacancy and collection losses
BRM — Business Relationship Meeting
ERCI — Employee Relocation Council Institute
INWEH — United Nations University International Network on Water, Environment and Health
NVSBE — National Veterans Small Business Engagement
D/N — Demand note
SEI — Software Engineering and Integration
GAS — Governmental Accounting Standards
BA — Business Architecture
WRHSE — Warehouse
HR — Headquarters Regulation
FS — Forest Service (USDA)
FCIC — Financial Crisis Inquiry Commission
SE — Salaried Exempt
UNMOVIC — United Nations Monitoring, Verification and Inspection Commission
HRC — Health Resource Center
WIA — Workforce Investment Act
BRSP — Bureau for Resources and Strategic Planning
TP — Technical Proposal
CBC — Community Based Outpatient Clinic
ORD — Office Of Research And Development (USEPA)
PWD — Prevailing Wage Determination
HPS — Headquarters Procurement Section
CRA — Credit Rating Agency
OAR — Overall Rate Of Return
ICDB — International Childrens' Day of Broadcasting
PFA — Platform for Action
CCAQ(PER) — Consultative Committee on Administrative Questions (Personnel and General Administrative Questions)
VOC-ED — Vocational Education
EPRS — Emergency Preparedness and Response Section
CI — Control Item
OSDC — Over/Short/Damage/Claims
MACC — Mine Action Coordination Centre
NBER — National Bureau of Economic Research
EBX — Electronics Boutique X

LTC — Long-Term Care
COSG — Collaborative Opportunities Steering Group
NAWW — National Average Weekly Wages
INTECH — United Nations University Institute for New Technologies
DBM — Disruptive Behavior Management
HUT — Households Using Television
FUA — Federal Unemployment Account
SROI — Subsequent Report of Injury
UNFIP — United Nations Fund for International Partnerships
UNIS — United Nations Information Service
FMSHA — Federal Mine and Safety Health Act
PCNICC — Preparatory Commission for the International Criminal Court
SCP — Sustainable Cities Programme
IPC — Integrated Programme for Commodities
ESOT — Employee Stock Ownership and Trust
GEO — Global Environment Outlook Report
MDA — Market development funds
POPIN — United Nations Population Information Network
UNOV — United Nations Office at Vienna
CSO — Cyber Security Office
LAUS — Local Area Unemployment Statistics
IM/DQ — Identity Management/Data Quality
HB — House B ill
LTI — Lead Time Interval
UB — Unsafe Buildings
VAMC — Va medical center
TDB — Trade and Development Board
IIST — United Nations University International Institute for Software Technology
UNMEE — United Nations Mission in Ethiopia and Eritrea
UMTS — Universal Mobile Telephone System
EAT — Exchange Accommodation Titleholder
SPD — Division for Special Programmes Development
CWSP — College Work-Study Program
INRA — United Nations University Institute for Natural Resources in Africa
CPR — Committee of Permanent Representatives
NDNH — National Directory New Hires
OTR — Office of Thrift Supervision
MAT — Minimum Alternative Tax
BOY — Beginning of Year Violator
MRAM — Magnetic Random Access Memory
PCPB — Post-Conflict Peace-Building
HOW — Homeowner Warranty Plan
NST — National Sales Tax
SARD — Sustainable Agriculture and Rural Development
AFROWHO — Regional Office for Africa
UNGEGN — United Nations Group of Experts on Geographical Names
CSI — Commissioners Standard Industrial Mortality Table
ICFY — International Conference on the Former Yugoslavia
WPPDA — Welfare and Pension Plan Disclosure Act
NCAER — National Council for Applied Economic Research

HDRO — Human Development Report Office
AR — Architecture Requirements
WHOL. — Wholesale
OASI — Old Age Survivors Insurance
CPK — Cost Per Keyword
NYMEX — New York Metal Exchange
SPDC — Special Political and Decolonization Committee
UNTPDC — United NationsTrade Point Development Centre
RMA — Restricted management account
BNI — Business Needs and Investment
COMP. — Item given for free
RRM — Renegotiated-Rate Mortgage
IAG — International Advisory Group
ZBA — Zero-Balance Account
UNPA — United Nations Protected Area
SIA — Securities Industry Act of 1983
SOYD — Sum-of-the-years-digits
JPAC — Joint Public Advisory Committee
UNMA — United Nations Mission in Angola
CSCIS — Computer Software Configuration Items
CCR — Central Contracting Registry
JIU — Joint Inspection Union
PCA — Permanent Court of Arbitration
NSDL — National Securities Depository Limited
SSM — Software Service Manager
CPTAL — Capital
PIRG — Public Interest Research Group
HR — Human Rights's
UNON — United Nations Office at Nairobi
UNRRA — United Nations Relief and Rehabilitation Agency
LTD. — Limited
LA — Labor Area
IMC — Integrated Market Communications
ECS — Enterprise Class Storage
LT — Lost Time
NVCA — National Venture Captial Association
UNIS — United Nations International School
HRIS — Human Resources Information Service
OALC — Office of Acquisition, Logistics, and Construction
COFO — Committee on Forestry
EMA — Expense Management Automation
WST — Waste Systems and Transportation
NRET — Non-Resident Withholding Tax
CLO — Collaterialized loan obligation
OHR — Office of Human Resources
UNPA — United Nations Postal Administration
SIPA — Securities Investment Protection Act
DSRSG — Deputy Special Representative of the Secretary-General
SOS — Switched On Schoolhouse
ND — Network Director

CCC — Cost Containment Center
SLSMN — Salesman
UNTAG — United Nations Transition Assistance Group
WBC — Women Business Center
SLOB — Separate lines of business
NOIDA — New Okhla Industrial Development Authority
SECL — Secretarial
XRA — Expected Retirement Age
BEST — BrihnanMumbai Electric Supply and Transport
NABE — National Association for Business Economics
SEES — Survey Evaluation Exam System
FAS — Finance and Accounting System
UNMOP — United Nations Mission of Observers in Prevlaka
UNOMA — United Nations Observer Mission in Angola
BIMST-EC — Bangladesh India Myanmar Srilanka Thailand - Economic Council
GAP — Gross amount paid
CCSQ(PROG) — Consultative Committee on Substantive Questions (Programme Matters)
NQPS — Nonqualified preferred stock
CFTA — Currency and Foreign Transaction Act
COCA — Cost of capital allowance
HEA — Health Enterprise Architecture
LTFP — Long-Term Financial Plans
UNAT — United Nations Administrative Tribunal
BLESS — Borrowing and Lending Securities Schemes
CDP — Committee for Development Policy
CSP — Cyber Security Professional
EMROWHO — Regional Office for the Eastern Mediterranean
CORTS — Corporate-backed trust securities
UNIKOM — United Nations Iraq-Kuwait Observation Mission
TOE — Time is of the essence
LBO — Limited Buyout
UNROAP — United Nations Regional Office for Asia and the Pacific
SUTCDC — Special Unit for Technical Cooperation Among Developing Countries
TPA — Technical Practice Aide
CIFR — Committee on Improvements to Financial Reporting
WARN — Worker Adjustment and Retraining Notification Act W&M
UNLB — United Nations Logistic Base
NBB — New Belgium Brewery
OUSG — Office of the Under Secretary General
PEPPRA — Public Employee Pension Plan. Reporting and Accountability Act
DRM — Division for Resources Mobilization
CIM — Corporate Information Model
UNJSPB — United Nations Joint Staff Pension Board
UR — Unemployment Rate
SOPAC — South Pacific group of countries
SFI — Six-Figure Income
SEBI — Securities Exchange Board of India
SOIR — Schaeffer Open Interest Ratio
XUL — eXtensible UserInterface Language
UNSF — United Nations Security Force in West New Guinea

NVC — National Veterans Conference
STW — School-To-Work
YSP — Yield-spread premium
UN-NADAF — United Nations New Agenda for the Development of Africa in the 1990s
UNTSO — United Nations Truce Supervision Organization
SIU — Sets In Use
PATS — Planning, Architecture, Technology and Services
WGEID — United Nations Working Group on Enforced or Involuntary Disappearances
NTFO — Nationwide Tax Forums Online
EFAST — ERISA Filing Acceptance System
CORBAIIOP — CORBA Internet Inter ORB Protocol
UNCPCJP — United Nations Crime Prevention and Criminal Justice Programme
TRD — Transfer of Development
B&P — Budgeting & planning
UNTOP — United Nations Tajikistan Office for Peace-Building
LPA — Local Plans of Action
CARDS — Custom Adjustable Rate Debt Structure
WST — Waste Spare Time
BAB — Build America Bonds
N/P — Note payable
UNASOG — United Nations Aouzou Strip Observer Group
CC — Copy To
PIP — Peace Implementation Programme
HST — Health Statistics
UNDOC — United Nations Documents Index
HEP — Humanitarian Evacuation Programme
SDC — System Development Center
R/E — Real estate
ICE — Internal control evaluation
SBL — Small Business Liaisons
HMO — Health Maintenance Organisation
SYSTEM — Save YourSelf Time, Engergy, and Money (as reported by www.just15minutes.com)
TOM — Traded Options Market
POS — Point-of-sale
NPA — National Plans of Action
WOTC — Workforce Opportunity Tax Credit
GLSO — Group Legal Services Organization
POP — Premium-Only Plan
NSTA — National Securities Trade Association
SEPPAA — Single Employer Pension Plan Amendments Act
CATS — Certificate of accrual on Treasury securities
PSR — Presentence report
IMF — International Monitary Fund
UNPOB — United Nations Political Office in Bougainville
VACO — VA Central Office
IPO — Incorporated to Provide
DSD — Division for Sustainable Development
VAAR — Department of Veterans Affairs Acquisition Regulation
PTD — Procurement and Transportation Division
C&P — Compensation & Pension

MVI — Mini Vacations Incorporated
BPA — Blanket purchase authoriation
CCD — Centralized Contracting Division
VETS — Veteran's Employment & Training Service
UNPAAERD — United Nations Programme of Action for African Economic Recovery and Development
CCSQ(OPS) — Consultative Committee on Substantive Questions (Operational Activities)
UNSMA — United Nations Special Mission to Afghanistan
UNARDOL — United Nations Assistance for the Reconstruction and Development of Lebanon
DC — Developed Countries
MGIC — Mortgage Guarantee Insurance Company
PBSI — Performance Based Salary Increase
JUNIC — Joint UN Information Committee
UNFSTD — United Nations Fund for Science and Technology for Development
QWI — Quarterly Workforce Indicators
UNGIWG — United Nations Geographic Information Working Group
TWAIN — Toolkit Without an Interesting Name
ULC — Uniform Law Commissioners
SP — Strategic Plan
UNAMA — United Nations Assistance Mission to Afghanistan
FOIA — Freedome of Information Act
TSB — Targeted Small Business
STD — Short-term Insurance
B/S — Benefits/Services
T&E — Travel & Entertainment
OHRM — Office of Human Resources Management
WCDMP — World Climate Data and Monitoring Programme
CSBU — Center for Small Business Utilization
CCPISA — Convention on the Privileges and Immunities of the Specialized Agencies
PAHO — Pan American Health Office/Regional Office for the Americas of the WHO
UNFICYP — United Nations Force in Cyprus
ECLAC — Economic Commission for Latin America and the Carebbean