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Business & Finance >> Business Word Abbreviations

Look through 2927 acronyms and abbreviations related to Business Word:

DEPR. — Depreciation
RMA — Return Merchandise Authorization
SOX — Sarbanes-Oxley
OSS — Open Source Software
MNC — Multinational Corporation
CPOE — Computerized Physician Order Entry
BCWS — budgeted cost for work scheduled
ACR — Accrual
CP — Contingency Plan
FGM — Female Genital Mutilation
B/E — Breakeven
UM — Uninsured Motorist
CSR — Customer Service Representative
FMLA — Family Medical Leave Act
FLSA — Fair Labor Standards Act
APR — Annual Percentage Rate
ETA — Estimated Time of Arrival
GPROI — Gross Profit Return on Investment
EOQ — economic order quantity
LAN — Local Area Network
FOMC — Federal Open Market Committee
CORELAP — Computerised Relationship Layout Planning
RFID — Radio Frequency Identification
BFOQ — Bona Fide Occupational Qualification
IGO — Intergovernmental Organization
DOB — Date Of Birth
FTP — File Transfer Protocol
YTD — Year To Date
FDIC — Federal Deposit Insurance Corporation
CAGR — Compound Annual Growth Rate
MPC — Marginal Propensity to Consume
BCWP — Budgeted Cost for Work Performed
S.M.A.R.T — Specific, Measureable, Attainable, Realistic, Timely
TTL — Total
CMO — Collateralized Mortgage Obligation
IDIQ — Indefinite Delivery, Indefinite Quantity
RFQ — Request For Quotation
RCNLD — Replacement Cost New Less Depreciation
ANOVA — Analysis of Variance (statistics)
GEICO — Government Employees Insurance Company
ROM — Read-Only Memory
IRC — Internet Relay Chat
AAA — American Automobile Association
WHO — World Health Organization
IT — Information Technology
WML — Wireless Markup Language
LIFO — Last In, First Out
QC — Quality Control
GLB — Gramm-Leach-Bliley Act
EAP — Employee Assistance Program

HIPPA — Health Insurance Portability and Accountability Act
ADB — Asian Development Bank
ARPANET — Advanced Research Projects Agency Network (early internet)
UNLTD — Unlimited
AD — Advertisement
KPMG — Klynveld Peat Marwick Goerdeler
PLS — Please
SAAS — Software as a Service
EDI — Electronic Data Interchange
ITEP — Institute on Taxation and Economic Policy
RPI — Retail Price Index
CY — Calendar Year
GDP — Gross Domestic Product
INC — Intergovernmental Negotiating Committee
CV — Curriculum Vitae
SSN — Social Security Number
BSA — Bank Secrecy Act
CD — Certificate of Deposit
ACH — Automated Clearing House
LTCM — Long-Term Capital Management
ATTN — Attention
ARC — American Red Cross
ANSI — American National Standards Institute, Inc.
AFDC — Aid to Families with Dependent Children
AUM — Assets Under Management
EEO — Equal Employment Opportunity
RAROC — Risk-Adjusted Return On Capital
IRR — Internal Rate of Return
LMI — Labor Market Information
ISP — Internet Service Provider
ATM — Automatic Teller Machine
AA — Affirmative Action
CBO — Congressional Budget Office
EGTRRA — The Economic Growth and Tax Relief Reconciliation Act of 2001
ADR — Alternative Dispute Resolution
5S — Seiri, Seiton, Seiso, Seiketsu, Shitsuke
IRA — Individual Retirement Account
ICE — Intrusion Countermeasures Electronics
CCB — Change Control Board
USDA — United States Department of Agriculture
YUPPIE — Young Urban Professional
AUP — Acceptable Use Policy
CAPEX — Capital Expenditure
CEO — Chief Executive Officer
GATB — General Aptitude Test Battery
FR — Federal Register
CPI — Consumer Price Index
ADP — Actual Deferral Percentage
UNESCO — United Nations Educational, Scientific and Cultural Organization
IOC — Intergovernmental Oceanographic Commission

GL — General Ledger
SAN — Storage Area Network
PPE — Personal Protective Equipment
PDA — Personal Digital Assistant
DOT — Department of Transport
UCC — Uniform Commercial Code
NAV — Net Asset Value
DVP — Delivery Versus Payment
COB — close of business (End of duty day)
S&OP — Sales and Operations Planning
ADB — African Development Bank
DPKO — Department of Peacekeeping Operations
ADR — American Depositary Receipt
APT — Arbitrage Pricing Theory
GSM — Global System for Mobile Communications
ITIN — Individual Taxpayer Identification Number
CV — Cost Variance
AP — Accounts Payable
TQM — Total Quality Management
EO — Executive Order
WWW — World Weather Watch
DBA — Doing Business As
RMP — Risk Management Plan
SMTP — Simple Mail Transfer Protocol
ETA — Employment and Training Administration
FINRA — Financial Industry Regulatory Authority
FEMA — Federal Emergency Management Agency
CBC — Complete Blood Count
ICAO — International Civil Aviation Organization
GRUT — Grantor Retained Unitrust
LLC — Limited Liability Company
OTC — Over The Counter (medications not requiring a prescription)
LTV — Loan To Value
EDWOSB — Economically disadvantaged woman-owned business
TSR — Total Shareholder Return
BEA — Bureau of Economic Analysis
KPI — Key Performance Indicator
IP — Internet Protocol
W/O — Without
BFP — Bona Fide Purchaser
CBPP — Center on Budget and Policy Priorities
RFP — Request For Proposal
CRS — Congressional Research Service
ODA — Official Development Assistance
GIS — Geographic Information System
SD — Standard Deviation
ERP — Emergency Response Plan
R&D — Research & Development
NSC — National Security Council
LOA — Leave Of Absence

MA — Moving Average
RFC — Request For Comment
RSF — rentable square feet
LLP — Limited Liability Partnership
FF&E — Furniture, Fixtures & Equipment
BBS — Bulletin Board Service
CBD — Cash Before Delivery
SALY — Same As Last Year
ARB — Architecture Review Board
EBITA — Earnings before interest taxes depreciation amortization
FISMA — Federal Information Security Management Act
ASME — American Society of Mechanical Engineers
PD — Position Description
SEM — Search Engine Marketing
FAA — Federal Aviation Administration
RAM — Reverse Annuity Mortgage
BPA — Blanket Purchase Agreement
ROE — Return On Equity
FTA — Free-Trade Agreement
MOU — Memorandum of Understanding (an MOU between Food & Drug Administratin and a regulatory agency in another country allows mutual recognition of inspections)
ACWP — actual cost for work performed
GA — General Assembly
IM — Information Management
BOL — Bill Of Lading
B-TO-B — Business-To-Business
IFRS — International Financial Reporting Standard
PV — Present Value
MSDS — Material Safety Data Sheets
CMA — Comparative Market Analysis
AM — Asset Management
FLRA — Federal Labor Relations Authority's
PC — Politically Correct
RNFA — Return On Net Financial Assets
MSN — Microsoft Network
ITA — International Trade Administration
CIO — Chief Information Officer
MSA — Metropolitan Statistical Area
ADR — American Depository Receipt
SQA — Software Quality Assurance
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.
ARM — Adjustable Rate Mortgage
REO — Real Estate Owned
CIM — Computer Integrated Manufacturing
GOI — Gross Operating Income
SLA — Service Level Agreement
FMS — Financial Management Service
MBA — Mortgage Bankers Association of America
NATO — North Atlantic Treaty Organisation
ABM — Activity Based Management
OT — Overtime

RIF — Reduction In Force
ADP — Automated Data Processing
EMA — Exponential Moving Average
C-CPI-U — Chained Consumer Price Index for All Urban Consumers
SLIP — Serial Line Interface Protocol
AMA — American Management Association
POE — Point of Entry
EFA — Education for All
SKU — Stock Keeping Unit
PY — Program Year
IPCC — Intergovernmental Panel on Climate Change (WMO and UNEP)
QTY — Quantity
P&Z — Planning & Zoning
ABC — activity based costing
UNU — United Nations University
JV — Joint Venture
ANCOM — Andean Common Market
STD — Standard
LOC — Line Of Credit
HMO — Health Maintenance Organization
GP — Gross Profit
QOS — Quality of Service
COBRA — Consolidated Omnibus Budget Reconciliation Act of 1985
PM — Program Manager
U.S.C. — United States Code
IPO — Initial Public Offering
USP — Unique Selling Point
CFA — Consumer Federation of America
A/OPC — Agency/Organization Program Coordinator
DES — Data Encryption Standard
SC — Security Council
SDR — Special Drawing Rights
CBA — Cost Benefit Analysis
DMA — Designated Market Area
WACC — Weighted Average Cost Of Capital (accounting)
FPL — Federal Poverty Level
CAE — Computer-Aided Engineering
BOP — Bureau Of Prisons
UNDMT — United Nations Disaster Management Team
TER — Total Expense Ratio
HIPC — Heavily Indebted Poor Countries
ETF — Exchange Traded Fund
DTA — Deferred tax assets
GPP — Gross Profit Percentage
FAR — Federal Acquisition Regulation
BOE — Bank of England
GM — Gross Margin
THX — Thanks
ACCT — Account
CPM — Critical Path Method

3PL — Third Party Logistics
FOREX — Foreign Exchange
DRIP — Dividend Reinvestment Plan
LY — Last Year
RFQ — Request For Quote
PFS — Personal Financial Specialist
KSOP — 401(k) Employee Stock Option Plan
C.&F. — Cost and freight
DI — Disability Insurance
EOD — End Of Day
IFB — Invitation For Bid
EV — Enterprise Value
EXCOM — Executive Committee
C-CPI — Chained Consumer Price Index
PDF — Portable Document Format (created by Adobe Acrobat)
IPS — Investment Policy Statement
LFPR — labor force participation rate
A.O.B. — Any other business
COD — Cash On Delivery
PDM — Product Data Management
CMT — Constant Maturity Treasury
NT — Near-Term
NLRB — National Labor Relations Board
BI — Business Intelligence
PO — Purchase Order
ASP — Active Server Page
B/L — Bill of Lading
FOB — Free On Board
CDO — Collateralized Debt Obligation
CSRS — Civil Service Retirement System
CIP — Carriage and Insurance Paid to
OI — Operating Income
GAAP — Generally Accepted Accounting Procedures
BS — Balance Sheet
GMP — Good Manufacturing Practice
GFE — Good Faith Estimate
CR — Continuing Resolution
ALM — Asset Liability Management
NCA — National Cemetery Administration
CTR — Currency Transaction Report
E.O. — Executive Order
O*NET — Occupational Information Network
OPT — Other People's Time
WTO — World Tourism Organization
PNG — Portable Network Graphics (graphic file standard/extension)
POA — Power Of Attorney
BARS — Behaviourally-Anchored Rating Scale
MDB — Multilateral Development Bank
NFI — Net Financial Income
FSA — Flexible Spending Account

U&C — Usual and customary
GPS — Global Positioning System (ex-NAVSTAR)
PDA — Pregnancy Discrimination Act
LOB — Line Of Business
JD — Job Description
UNRWA — United Nations Relief and Works Agency for Palestine Refugees in the Near East
CTS — Carpal Tunnel Syndrome
A&MMS — Acquisition and Materiél Management Service
PAQ — Position Analysis Questionnaire
TRO — Temporary Restraining Order
IRC — Internal Revenue Code of 1986
POD — Proof Of Delivery
GIF — Guaranteed Investment Fund
G2C — Government to Consumer
IAEA — International Atomic Energy Agency
NYSE — New York Stock Exchange
IBAN — International Bank Account Number
YTM — Yield to Maturity
AMEX — American Stock Exchange
P.O.C. — Paid outside of closing
EPA — Equal Pay Act
FAC-P/PM — Federal Acquisition Certification Program/Project Management
BDF — Beneficiary Designation Form
PDA — Personal Data Assistant
G2G — Government to Government
MIGA — Multilateral Investment Guarantee Agency
DNS — Domain Name System
PY — Prior Year
GRIT — Grantor Retained Income Trust
ROM — Range Of Motion
PD — Paid
WC — Worker's Compensation
NI — Net Income
ACO — Administrative Contracting Officer
EST — Eastern Standard Time
MTBF — Mean Time Before Failure
ERV — Estimated Rental Value
CPM — Corporate Performance Management
CPP — Capital Purchase Program
GL — General Liability
DPP — Direct Participation Program
GSF — Gross Square Feet
UNA — United Nations Association
EPA — Environmental Protection Agency (US)
SM — Service Mark
ABA — American Bankers Association
ABO — Accumulated Benefit Obligation
TDI — Temporary Disability Insurance
DCP — Defined Contribution Plan
FICCO — Fair Issac Credit Organization

ZIP — Zone Improvement Plan
FASAB — Federal Accounting Standards Advisory Board
PFA — Prevention of Food Adulteration Act
B-TO-C — Business to consumer
P.L. — Public Law
ASCII — American National Standard Code for Information Interchange
IETF — Internet Engineering Task Force
LMRA — Labor Management Relations Act
PPO — Preferred provider organization
GRM — Gross Rent Multiplier
CCAQ — Consultative Committee on Administrative Questions
TBD — To Be Determined
BGT — Budget
SAS — Statement on Auditing Standards
FAS — Free Alongside Ship
CTO — Compensatory Time Off
UR — Utilization Review
SAM — Shared-Appreciation Mortgage
BD — Business Development
IDR — Issuer Default Rating
AE — Account Executive
UNEP — United Nations Environment Program
ATF — As Trustee for
ITLOS — International Tribunal for the Law of the Sea
ICC — International Criminal Court
UBTI — Unrelated Business Taxable Income
P&L — Profit and Loss statement
LBB — Legislative Budget Board
F/B/O — For benefit of
CTO — Chief Technology Officer
CPM — Cost Per Thousand
HSA — Health Savings Account
C.L.U.E. — Comprehensive Loss Underwriting Exchange
E&IT — Electronic and Information Technology
HR — Human Resource
CDL — Commercial Driver's License
IRIN — Integrated Regional Information Networks
AIG — American International Group, Inc
I-TIPS — Information Technology Investment Portfolio System
HCE — Highly Compensated Employee
CPO — Cost Per Order
QDRO — Qualified Domestic Relations Order
BNA — Bureau of National Affairs, Inc.
STR — Software Test Report
DFA — Department of Finance and Administration
CP — Commercial Paper
ADA — Americans With Disabilities Act Of 1990 (Text Of ADA Legislation)
IC — Internal Control
MSA — Medical Savings Account
DPP — Deferred Payment Plan

BIW — Biweekly
IMF — International Monetary Fund
CHR — Commission on Human Rights
MLS — Multiple Listing Service
REPO — Repurchase Agreement
REC — Renewable Energy Certificate
IASC — Inter-Agency Standing Committee
G2B — Government to Business
AON — Angolan New Kwanza
HCFA — Health Care Financing Administration
IVR — Interactive Voice Response (telephone technology)
ASU — Accounting Standards Update
ITC — Information Technology Center
CPM — Certified Property Manager
U.S. DOL — United States Department of Labor
COS — Chief of Staff
FASAB — Financial Accounting Standards Advisory Board
CPM — Continuous Passive Motion
EOM — End Of Month
CAO — Chief Accounting Officer
A&MM — Acquisition and Materiél Management
CRM — Client Relationship Management
M.O.M. — Middle of the month
FTD — Federal Tax Deposit
Q — Quarter
PAT — Profit After Tax
CMA — Certified Management Accountant
AEI — American Enterprise Institute
ATR — Americans for Tax Reform
PE — Private Equity
U.S. DOJ — United States Department of Justice
ERP — Estimated Retail Price
CVP — Cost-Volume-Profit
OID — Original Issue Discount
BCC — Blind Copied
ACRS — Accelerated Cost Recovery System (finance)
OTB — Open To Buy
CBT — Computer Based Training
DPI — Department of Public Information
DC — Defined Contribution
PLR — Private Letter Ruling
CIT — Corporate Income Tax
EOE — Equal Opportunity Employer
TM — Trademark
UL — Universal Life
ICJ — International Court of Justice
MEC — Modified Endowment Contract
SOP — Statement Of Position
CIMA — Chartered Institute of Management Accountants
W-A — Weighted average

M-O-M — Month over month
NAM — National Association of Manufacturers
PIP — Performance Improvement Plan
QA — Center for Quality Assurance in International Education
JGTRRA — Jobs and Growth Tax Relief Reconciliation Act
SAR — Stock Appreciation Right
ASB — Accounting Standards Board
FTE — Full Time Equivalent
COTR — Contracting Officer Technical Representative
M.ED — Masters in Education
MI — Mortgage Insurance
PCI — Per Capita Income
BU — Bargaining Unit
MLR — Medical Loss Ratio
IPCS — International Programme on Chemical Safety
ATB — Across the Board
RTF — Rich Text Format
POP — Premium Only Plan
EBT — Earnings Before Tax
CSF — Critical Success Factor
GA — General Agent
RTW — Return To Work
JC PENNEY'S — James Cash Penney
EP — Earned Premium
CUSFTA — Canada-US Free Trade Agreement
CRO — Chief Risk Officer
IDP — Internally Displaced Person
NPV — Net Present Value {economics}
EU — European Union (1994; formerly referred to as the EEC or EC)
MLM — Multi-Level Marketing
CA — Confidentiality Agreement
J/E — Journal entry
SPV — Special Purpose Vehicle (sometimes Single Purpose Vehicle)
TVM — Time Value of Money
PFD — Preferred
OECD — Organization for Economic Cooperation and Development
OTS — Office of Thrift Supervision
POD — Payable on Death
SOS — Sound On Sound
EGM — Extraordinary General Meeting
TAM — Television Audience Measurement
IDA — International Development Association
FFY — Federal Fiscal Year
C&F — Cost and Freight
GATT — General Agreement on Tariffs and Trade (government)
CPI — Cost Performance Index
MLR — Monthly Labor Review
WHA — World Health Assembly
PRC — Peer Review Committee
TAM — Technical Advice Memorandum

TIPS — Treasury Inflation-Protected Securities
AL — Assisted Living
SEPA — Single Euro Payments Area
EPZ — Export Processing Zone
FRB — Federal Reserve Board
CME — Chicago Mercantile Exchange
IRA — Individual Retirement Arrangement
FSS — Federal Supply Schedule
ACV — Actual Cash Value
ATO — Asset Turnover
CGA — Charitable Gift Annuity
CAGR — Compounded Annual Growth Rate
ECA — Economic Commission for Africa
EE — Employee
SEA — Securities Exchange Act
SBC — Southwestern Bell Corporation
CSHO — Compliance Safety and Health Officer
OA&L — Office of Acquisition and Logistics
RO — Regional Office
NFIP — National Flood Insurance Program
FOIA — Freedom of Information Act
MTF — Medical Treatment Facility
ETA — Department of Labor's Employment and Training Administration
LOS — Length of Stay
PPI — Producer Price Index
EA — Enrolled Agent
CK — Calvin Klein
NQDC — Nonqualified deferred compensation
MOH — Music On Hold
BRIC — Brazil, Russia, India and China
GRAT — Grantor Retained Annuity Trust
RULPA — Revised Uniform Limited Partnership Act
PGP — Pretty Good Privacy (encryption)
EMS — Eastern Mountain Sports
ERS — Economic Research Service
URL — Universal Resource Locator
SOL — Statute of Limitations
DOD — United States Department of Defense
AWOL — Absent Without Leave
GPO — Government Printing Office
BOV — Broker’s Opinion of Value
NL — No-Load
ETN — Exchange Traded Note
SRAM — Static Random Access Memory (ess-ram)
ABS — Automated Bond System
DCR — Debt Coverage Ratio
PHC — Personal Holding Company
DRAM — Dynamic Random Access Memory (dee-ram) (computing)
DBA — Data Base Administrator
DOC — Doctor

AOV — Average Order Value
CCP — Certified Compensation Professional
CGQ — Corporate Governance Quotient
ISDN — Integrated Services Digital Network
RAM — random-access memory
FIT — Financial institutions tax
SCORE — Service Corps Of Retired Executives
TCE — Tangible Common Equity
4P — Price, Product, Place and Promotion
COOP — Continuity of Operations
TIP — Transportation Improvement Program
FTE — Full-Time Employee
SOHO — Small Office Home Office
CAFR — Comprehensive Annual Financial Report
CASB — Cost Accounting Standards Board
DOJ — Department of Justice (US)
ETR — Effective Tax Rate
SGA — Substantial Gainful Activity
ESI — Electronically Stored Information
BLS — Bureau of Labor Statistics of the United States Department of Labor
DDU — destination delivery unit
FDCPA — Fair Debt Collection Practices Act
IME — Independent Medical Examination
HFA — Housing Finance Agency
NOW — Negotiable Order of Withdrawal
LCA — Labor Condition Application
CIO — Chief Investment Officer
SB — Senate Bill
FDA — Food Drug Administration
WRKSHP — Workshop
AX — Armani Exchange
MAS — Multiple-Award Schedule
XTML — eXtensible Telephony Markup Language
ADL — activity of daily living
FY — Fiscal Year
SBLC — Standby Letter of Credit
SC — Securities Commission
FAQ — Frequently Asked Questions (sometimes Pronounced Fak)
PIC — Prior Informed Consent
FHLB — Federal Home Loan Bank
MTC — Multistate Tax Commission
DM — Direct Mail
DMAIC — Define, Measure, Analyze, Improve, Control
CAE — Certified Association Executive
RAP — Regulatory Accounting Principles
COST — Council on State Taxation
UGMA — Uniform Gifts to Minors Act (largely replaced by UTMA)
BAT — Business Activity Tax
3M — Minnesota Mining And Manufacturing Company
ECP — Emergency Conservation Program

HDI — Human Development Index (UNDP yardstick of human welfare)
PERT — Program Evaluation and Review Technique
EXP — Export
URO — Utilization Review Organization
AJB — America’s Job Bank
EOU — Export Oriented Unit
DOLETA — Department of Labor Employment and Training Administration
SS — Social Security
DPA — Department of Political Affairs
RONA — Return On Net Assets
DOI — Date of Injury
LOI — Letter Of Intent
NOA — Net Operating Assets
SMT — Senior Management Team
MIS — Management Information System (OSHA)
MAD — Mean Absolute Deviation
SERP — Supplemental Executive Retirement Plan
VAGFE — VA-owned Government Furnished Equipment
PILOT — Payment In Lieu Of Taxes
EPI — Expanded Programme on Immunization
OPR — Other People's Resources
WT — Warrant
LTL — Less Than Truckload Lot
SE — Self Employed
AA — Author Alteration
TCBY — The Country's Best Yogurt
TAN — Tax Anticipation Note
ARO — After Receipt of Order
MLP — Master Limited Partnership
CFR — Code of Federal Regulations
ST — Short-Term
EEOC — Equal Employment Opportunity Commission
IRS — U.S. Internal Revenue Service
IBNR — Incurred But Not Reported
W/C — Working Capital
LAR — Legislative Appropriations Request
FS — Financial Statement
REI — Recreational Equipment, Inc.
CRAT — Charitable Remainder Annuity Trust
GOV — Government Owned Vehicle
VPN — Virtual Private Network (ATM)
FRS — Federal Reserve System
SFH — Single Family Home
GRP — Gross Rating Point
AGI — Adjusted Gross Income
BDC — Business Development Center
CAI — Computer Assisted Instruction
TDA — Tax Deferred Annuity
ROIC — Return on Invested Capital
SA — Seasonally Adjusted

SBO — Small Business Owner
HAZMAT — Hazardous Material
MBDA — Minority Business Development Agency
BAFO — Best and Final Offer
NSA — National Society of Accountants
ILAB — Bureau of International Labor Affairs
EOI — Expression Of Interest
NSX — National Stock Exchange
GSA — U.S. General Services Administration
FSI — Free Standing Insert
ACASTD — Advisory Committee on the Application of Science and Technology to Development
QMAC — Qualified Matching Contributions
RBM — Roll Back Malaria
DHL — Dag Hammarskjöld Library
COO — Chief Operation Officer
APPROX — Approximate
PSC — Personal Service Corporation
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.
RFI — Request For Information. Sales department shorthand. Special priority when use in conjunction with RFN (see below).
QSC — Quality, Service, Cleanliness (Ray Kroc's motto for McDonald's)
ATP — Accredited Tax Preparer
S&U — Sales and use
SG&A — Selling, general, and administrative expenses
POP — Point Of Purchase
AER — Annual Equivalent Rate
WC — Working Capital
ASG — Assistant Secretary General
CIX — Commercial Internet Exchange
QAI — Quality Assurance International
DRTV — Direct Response Television
LOB — Line-Of-Balance
UIM — Underinsured Motorist
HDR — Humanitarian Daily Ration
ITU — International Telecommunication Union
QCEW — Quarterly Census of Employment and Wages
LMRDA — Labor-Management Reporting and Disclosure Act of 1959
NIBCL — Non-interest bearing current liabilities
AO — Authorizing Official
GSI — general salary increase
SOC — Standard Occupational Classification
OJT — On-The-Job-Training
FIFO — First In, First Out
NOPAT — Net Operating Profit After Tax
PCFRC — Private Company Financial Reporting Committee
ARNP — Advanced Registered Nurse Practitioner
PC — Personal computer (host)
LEPO — Low Exercise Price Option
CSO — Commissioners Standard Ordinary
MCI — Microwave Communications Incorporated
AD&D — Accidental Death and Dismemberment

PC — Percent
LPA — Licensed Public Accountant
DOE — United States Department of Energy (government)
JOLTS — Job Openings and Labor Turnover Survey
ROI — Return on Investment
FRV — Fair Rental Value
COD — Cancellation of Debt
MIRR — Modified Internal Rate of Return
NAFEP — National Association of Financial and Estate Planning
CAFTA — Central American Free Trade Agreement
AARP — American Association of Retired Persons
LF — Labor Force
ASAE — American Society of Association Executives
RICO — Racketeer Influenced and Corrupt Organizations Act of 1970
TL — Truckload
CUPA — College and University Personnel Association
FP — Fixed Price
POC — Proof of Claim
ART — Annual Renewable Term (life insurance)
ACC — Administrative Committee on Coordination
OMB — Office of Management and Budget (U.S.)
CRM — Customer Relationship Management
IDIT — Intentionally defective irrevocable trust
DOL — Degree of Operating Leverage
USG — Under Secretary General
PHR — Professional in Human Resources Certification
FNA — Financial needs analysis
MDGD — Management Development and Governance Division
RP — Repurchase Agreement
PMI — Private Mortgage Insurance
REV. PROC. — Revenue Procedure
CICA — Competition in Contracting Act (1984)
WAASE — Division for Western Asia, Arab States and Europe
SAR — Summary Annual Report
ATA — Accredited Tax Advisor
CISO — Chief Information Security Officer
JIT — Just in time
UNICRI — United Nations Interregional Crime and Justice Research Institute
ROA — Regional Office for Africa
MMDA — Money Market Deposit Account
NSA — Not Seasonally Adjusted
ISA — International Seabed Authority
CC — Capital Contribution
A/E — Architect/Engineer
GPI — Gross potential income
AMF — American Machine & Foundry (bowling lane operators and former owners of Harley Davidson motorcycles)
A/P — Accounts Payable
PRI — Primary Rate Interface (ISDN)
AQL — Acceptable Quality Level
DAGMAR — Defining Advertising Goals for Measured Advertising Results

CBIT — Comprehensive Business Income Tax
FUBU — For Us By Us
PTE — Pass-Through Entity
RSI — Relative Strength Indicator
AAA-CPA — American Association of Attorney-Certified Public Accountants
AMD — Advanced Micro Devices, Inc. (producer of computer chips)
ALC — Alien Labor Certification
OSG — Office of the Secretary-General
SRM — Supplier Relationship Management
TCN — Third Country National
ITF — In Trust For
CC — Civil Code
NLRA — National Labor Relations Act
XML — Extensible Markup Language
CPA — Comprehensive Plan of Action
SDB — Small Disadvantaged Business
MRD — Minimum Required Distribution
RIA — Registered Investment Advisor
PNP — Plug aNd Play
PE — Price-earnings ratio
MLS — Mass Layoff Statistics
CDHP — consumer-driven health plan
AICPA — L'American Institute of Certified Public Accountants
DBT — Days Beyond Terms
IBM — International Business Machines Corporation
CFROI — Cash Flow Return on Investment
CFE — Certified Financial Examiner
AAO — Affirmative Action Officer
OB — Office of Budget
VA — Veterans Administration
FWT — Federal Withholding Tax
NPW — Net Present Worth
SOA — Service-Oriented Architecture
7S — Strategy, Structure, Systems, Style, Staff, Skills, Shared values
RTO — Reverse Take-Over
MC — Market Capitalization
FCC — Federal Communications Commission (US)
CAPM — Capital Asset Pricing Model
ALEX — AUTOMATED LABOR EXCHANGE
EOB — Explanation Of Benefits
FANNIE MAE — Federal National Mortgage Association (a privately owned corporation)
CRUT — Charitable Remainder Unitrust
NCOA — National Change Of Address
C-TPAT — Customs-Trade Industry Against Terrorism
IM/IT — Information Management/Information Technology
WIP — Work in Process
SS — Safety Stock
ACC — Accounting Classification Code
PHP — PHP Hypertext Processor
IRCA — Immigration Reform and Control Act

ABCP — Asset Backed Commerical Paper
TSR — Tactical Studies Rules
POP — Point Of Presence (Internet)
ASP — Application Service Provider
TPD — Temporary Partial Disability
ERISA — Employee Retirement Income Security Act
BPM — Business Performance Management
SIAP — Statistical Institute for Asia and the Pacific
DCF — discounted cash flow rate
A/R — Accounts Receivable
FRA — Full Retirement Age
DTI — Department of Trade and Industry (UK)
UNMISET — United Nations Mission of Support in East Timor
DCAP — Dependent Care Assistance Program
MTB — Motor transportation broker
ROP — Run of Press
AA — Adverse Action
WI — Working Interest
ADC — Acquisition, Development, and Construction
PM — Project Manager
MRO — Maintenance, repair, and overhaul
HAFA — Home Affordable Foreclosure Alternative program
BID — Business Improvement District
IACSD — Inter-Agency Committee on Sustainable Development
FCFE — Free Cash Flow to Equity
HQ — Headquarters (HDQ Preferred)
SSB — Securities Supervisory Board
MANOVA — Multivariate Analysis of Variance
NAFTA-TAA — NAFTA Transitional Adjustment Assistance
CMM — Capability Maturity Model
LOS — Law Of The Sea
AMA — American Medical Association
CMS — Content Management System
CIC — Consumer Information Center
CPC — Cost Per Click-through
VSNL — Videsh Sanchar Nigam Limited
DBMS — Data Base Management System
UNAMIC — United Nations Advance Mission In Cambodia
RTW — Right to Work
ECOA — E-Mail Change of Address
CDI — Category Development Index
AACU — American Association of Colleges and Universities
AT&T — American Telephone and Telegraph (U.S. company, also known as "Ma Bell")
ADJ — Adjust
BTT — Business Transfer Tax
HVAC — Heating, Ventilation, and Air Conditioning
UN — United Narions
OPM — Office of Personnel Management
MBTI — Myers-Briggs Type Indicator
ITARS — IT Acquisition Request System

SESA — State Employment Security Agency
A/E — Accured expense
SRA — Supplemental Retirement Annuity
AOQL — Average Outgoing Quality Level
CEN — Committee European de Normalisation
CFO — Communication Filing Officer
NSA — National Safety Associates
NGO — Non-governmental organization. (Red Cross/Crescent, Doctors without Borders, etc.)
CAD — Cash Available for Distribution
PCCM — Percentage-of-completion/capitalized cost method
WRA — Weighted Risk Assets
DCAP — Dependent Care Assistance Plan
PEG — Price to Earnings Growth
EURIBOR — Euro Interbank Offered Rates
NAB — Non-accrual basis
NAVPS — Net Asset Value Per Share
ACP — Actual deferral percentage
BRI — Basic Rate Interface
CSCS — Computer Software Components
AAR — Average Annual Return
OJT — On the Job Training
T&C — Terms & Conditions
HR — HUMAN RESOURCES
MPS — Marginal Propensity to Save
JOA — joint operating agreement
SGLI — Servicemember Group Life Insurance
XHTML — Extensible Hypertext Markup Language
AMTI — Alternative Minimum Taxable Income
COLA — Cost of Living Adjustment (or Allowance)
LWDI — Lost Work Day Injury Rate
CODA — Cash or Deferred Arrangement (401K)
T&D — Training and Development
SCM — Supply Chain Management
CPA — Certified Public Accountant
DOL — United States Department of Labor
LIBOR — London interbank offering rate
ESCAP — Economic and Social Commission for Asia and the Pacific (UN)
POQ — Periodic Order Quantity
CI — Contract Item
CGS — Cost of Goods Sold
NIH — NATIONAL INSTITUTE OF HEALTH
SIC — Standard Industrial Classification (Code)
LC — Letter of Credit
OP — Order Point
IBRD — International Bank For Reconstruction And Development (part Of The World Bank)
CASE — computer-automated software engineering
VSOE — Vendor-Specific Objective Evidence
ATB — Accountants Trial Balance
DJIA — Dow Jones Industrial Average
LYON — Liquid Yield Option Note

IPTF — International Police Task Force
OAS — Option Adjusted Spread
VDT — Video Display Terminal
SUTA — State Unemployment Tax Act
CEMP — Comprehensive Emergency Management Program
AGC — Associated General Contractors of America
BOMA — Building Owners and Managers Association
SMA — Simple Moving Average
DFL — Degree of Financial Leverage
SNE — Salaried Non-Exempt
GNP — gross national product (economics)
CEPS — Cash Earnings Per Share
IANA — Internet Assigned Numbers Authority
MER — Management Expense Ratio
CAT — Commercial Activity Tax
NFFE — Nonfinancial foreign entity
CFA — Committee on Food Aid Policies and Programmes
NMS — Normal Market Size
BMW — Bayerische Motoren Werke (Bavarian Motor Works)
EITC — Earned Income Tax Credit
B2B — Business to Businesse
NTIS — National Technical Information Service Technology Administration
REIT — Real Estate Investment Trust
FCA — Farm Credit Administration
HELOC — Home Equity Line of Credit
UNCIP — United Nations Commission for India and Pakistan
BPML — Business Process Modeling Language
ECM — Excess cash margin
ABP — Average Benefit Percentage
NCCUSL — National Conference of Commissioners on Uniform State Laws
ADEA — Age Discrimination and Employment Act
TC — Trusteeship Council (UN)
UPU — Universal Postal Union
FTC — Federal Trade Commission (U.S.)
AJE — Adjusting Journal Entry
HUD — Department of Housing and Urban Development (U.S.)
APV — Adjusted Present Value
PEO — Professional Employer Organization
DSO — Day Sales Outstanding
BRE — Business Reply Envelope
ILIT — Irrevocable Life Insurance Trust
ROS — Run Of Schedule
QMCSO — Qualified Medical Child Support Order
BOO — Build Own Operate
DIC — Document Identifier Code
HIBOR — Hong Kong interbank offered rate
FCRA — Fair Credit Reporting Act
LFY — Last Fiscal Year
NOC — Net Operating Capital
CERD — Committee on the Elimination of Racial Discrimination

FECA — Federal Employer’s Compensation Act
MACRS — Modified Accelerated Cost Recovery System (IRS)
ATOI — After Tax Operating Income
UNHCR — United Nations High Commissioner for Refugees Program
MSRP — Manufacturer's Suggested Retail Price
B&P — Bid & Proposal
ABA — Accredited Business Accountant
PERL — Practical Extraction and Report Language
SNA — System of National Accounts
LT — Lead Time
SAR — Suspicious Activity Report(ing)
IIA — Institute of Internal Auditors
COGS — Cost of Goods Sold
QTD — Quarter-to-Date
RAID — Redundant Array of Inexpensive Disks
CTV — Capital Timber Value
PR — Public Relations
IMRB — Indian Market Research Bureau
FSLMRA — Federal Service Labor-Management Relations Act
NFO — Net Financial Obligations
UTMA — Uniform Transfers to Minors Act
RISC — Reduced Instruction Set Computer
CEA — Commodity Exchange Authority
MRPS — Mandatorily redeemable preferred stock
(X) — Export
INSARAG — International Search and Rescue Advisory Group
DW — Dislocated Worker
FAK — Freight all kinds
ROW — Right-Of-Way
NFA — Net Financial Assets
IFRIC — International Financial Reporting Interpretations Committee
ADI — After Date of Invoice
CORBA — Common Object Request Broker Architecture
AED — United Arab Emirates Dirham
A&H — Accident and health insurance
BOT — Balance of Trade
AMT — Amount for Married Taxpayers
DRP — Disaster Recovery Plan
STP — Software Test Plan
MTD — Month-to-date
P2P — Peer to Peer (as in music file sharing systems like KaZaA)
CGT — Capital Gains Tax
ACFE — Advisory Committee on Forestry Education
DUNS — Data Universal Numbering System
REV. RUL. — Revenue Ruling
NVI — Negative Volume Index
JPEG — Joint Photographic Experts Group (24-bit image storage format)
IBR — Income-based repayment
ALDEP — Automated Layout Design Programs
TIL — Truth in Lending

MRQ — Most Recent Quarter
GE — General Electric American Communications Inc.
DOT — Dictionary of Occupational Titles
M/M — Month-over-month
ATCF — After Tax Cash Flow
D/O — Delivery Order
BOI — Business Object Interface
P&G — Proctor and Gamble
DPO — Days payables outstanding
VC — Venture Capital
NNN — Triple Net (Lease)
LHWCA — Longshore and Harbor Worker’s Compensation Act
VWAP — Value Weighted Average Price
TIN — Taxpayer Identification Number
AIDA — Attention, Interest, Desire, Action
GAO — Government Accountability Office [formerly the General Accounting Office]
ROCE — Return On Capital Employed
PVGO — Present Value of Growth Opportunities
MOM — Message Oriented Middleware
NDA — Non-Disclosure Agreement
TESSA — Tax-Exempt Special Savings Account
OASDHI — Old Age, Survivors, Disability, and Health Insurance
EOY — End-Of-Year
UI — User Interface
NRE — Net realizable equity
PDQ — Position Description Questionnaire
AAA — authentication, authorization, and accounting
ABMS — Activities Based Management System
HC — human capital
SDI — State Disability Insurance
WIP — Work In Progress (process)
LWO — Leave without pay
ROR — Return on Revenue
DIP — Debtor In Possession
ECI — Employment Cost Index
CFAT — Cash Flow After Taxes
AMID — Allowable Miscellaneous Itemized Deductions
TDC — Total Direct Compensation
BLM — Bureau of Land Management of United States Department of the Interior
APY — Annual Percentage Yield
USRPHC — U.S. real property hodling corporation
NRI — Net Rising Index
FFO — Funds from operations
IATA — International Air Transport Association
ESOP — Employee Stock Option Plan
KSAO — Knowledge, Skills, Abilities and Other
GICS — Global Industry Classification Standards
AGR — Adjusted Gross Revenue
WAP — Wireless Application Protocol
NDNH — National Directory of New Hires

ABV — Accredited in Business Valuation
CPHR — California Professional in Human Resources Certification
SEPG — Software Engineering Process Group
OCF — Operating Cash Flow
CBOT — Chicago Board of Trade
WMO — World Meteorological Organization (ICSU)
OD — Organizational Development
CDC — Center for Disease Control and Prevention
QME — Qualified Medical Examiner
TTM — Trailing Twelve Months
LLLP — Limited Liability Limited Partnership
POS — Point of Service Plan
WTW — Welfare-to-Work
B.A. — Bachelor of Arts
SBLI — Savings Bank Life Insurance
ATO — Administrative Time Off
CIF — Cost, Insurance, and Freight (Paid) (shipping)
AFR — Applicable Federal Rate
CROGI — Cash Return on Gross Investment
USF — Usable Square Feet
CMMI — Capability Maturity Model Integrated
YOY — Year-over-year
STAR — Satellite Television Asian Region, Ltd.
AFTP — Anonymous File Transfer Protocol
TCO — Total Cost of Ownership
COI — Conflict Of Interest
EEPROM — Electric Erasable Programmable Read Only Memory
EBRI — Employee Benefit Research Institute
ALJ — Administrative Law Judge
AML — Adjustable Mortgage Loan
SBU — Strategic Business Units
ROGFA — Return on Gross Fixed Assets
EISA — Extended Industry Standard Architecture
NNN — Net Net Net
TRNSFR — Transfer
EIS — Environmental Impact Statement (US)
VWAP — Volume-weighted average price
BIS — Bank of International Settlements
MSA — Merit Salary Adjustment
B&O — Business and Occupation
ECOWAS — Economic Community of West African States
FOM — Field Operations Manual
DCA — Dollar Cost Averaging
TEV — Total Enterprise Value
DFAS — Defense Financial Accounting Service
AAAA — American Association of Advertising Agencies
GIM — Gross Income Multiplier
CCL — Center for Creative Leadership
O&M — Operation and Maintenance
ICTY — International Criminal Tribunal for the Former Yugoslavia

UCI — Unemployment Compensation Insurance
ECF — Extended Care Facility
GMWB — Guaranteed Minimum Withdrawal Benefit
ESOP — Employee Stock Ownership Plan
MPEG — Moving Picture Experts Group (International Standards Organisation/International Electrotechnical Commission)
EIC — Earned Income Credit
SIPC — Securities Investor Protection Corporation
UNCCD — United Nations Convention to Combat Desertification
B2C — Business to Consumer
BHAG — Big Hairy Audacious Goal
APR — Annual Percentage Rate
FICA — Federal Insurance Contribution Act
ALTA — American Land Title Transfer
LTIP — Long-Term Incentive Plan
NOL — Net Operating Loss
UNVFVT — United Nations Voluntary Fund for Victims of Torture
DIO — Days Inventory Outstanding
IOS — International Organization for Standards
BCR — Benefit/Cost Ratio
UTLZTN — Utilization
FASB — Financial Accounting Standards Board
DOH — Days inventory On Hand
EVA — Economic Value Added
UTD — Under Trust Dated
ISO/MSP — Independent sales organization/Member service provider
NAC — National Acquisition Center
PBGC — Pension Benefit Guaranty Corporation
UNISPAL — United Nations Information System on the question of Palestine
OASDI — Old Age Survivors Disability Insurance
PVFC — Prepaid variable forward contract
BOOT — Build Own Operate Transfer
TEFRA — Tax Equity and Fiscal Responsibility Act of 1985
AMPS — Auction Market Preferred Stock
NAAS — Network as a Service
DAPT — Domestic Asset Protection Trust
WTO — World Trade Organisation
UNGOMAP — United Nations Good Offices Mission In Afghanistan and Pakistan
LR — Labor Relations
MLP — Minimum lease payments
OIBITDA — Operating Income Before Interest, Taxes, Depreciation and Amortization
L/C — Letter of Credit
IDA — Industrial Development Authority
SWT — State witholding tax
OASDI — Old Age and Survivors Disability Insurance
CMBS — Commercial mortgage-backed securities
CIP — Capital Investment Proposal
IFAD — International Fund for Agricultural Development (UN)
ESO — Employee Stock Option
FFIEC — Federal Financial Institutions Examination Council
0DSAC — 90 days, same as cash

SEO — Search Engine Optimizer
HRM — Human Resource Management
GPM — Graduated Payment Mortgage
WHD — World Habitat Day
CHRO — Chief Human Resource Officer
FMCS — Federal Mediation and Conciliation Service
WCEFA — World Conference on Education for All
ROC — Rate of Change
FNMA — Federal National Mortgage Association
CAM — Common Area Maintenance (charges related to commercial leases)
GOOS — Global Ocean Observing System (IOC, UNESCO, WMO, and ICSU)
NAICS — North American Industry Classification System
AIA — American Institute of Architecture
CO — Compliance Officer
BTCF — Before Tax Cash Flow
WRLDWD — Worldwide
CFS — Container Freight Station
ISSA — International Securities Services Association
CLA — Cross-Licensing Agreement
IMAP — Internet Message Access Protocol
RIC — Regulated Investment Company
MUPLA — Model Uniform Products Liability Act
HFS — Hold for sale
FCF — Free Cash Flow
BBDO — Batten, Barton, Durstine & Osborn
IP — Intellectual Property
GIF — Graphic Interchange Format
OE — Operating Expense
CPG — Consumer Packaged Goods
WIPO — World Intellectual Property Organization
CNF — Cost, not freight
CFA — Chartered Financial Analyst
TAB — Tax Anticipation Bill
RR — retention rate
FIE — Foreign-Invested Enterprise
MTTR — Mean Time To Recovery
NACM — National Association of Credit Management
SCM — Supply Chain Management
HECM — Home Equity Conversion Mortgage
SSD — Social Security Disability
SNF — Skilled Nursing Facility
A&S — Accident and sickness insurance
MCC — Merchant category codes
DDSN — Demand-driven supply networks
FMLA — Family and Medical Leave Act
ICFR — Internal Control Over Financial Reporting
GAGAS — Generally Accepted Government Accounting Standards
ICANN — Internet Corporation for Assigned Names and Numbers
GST — Goods and Services Taxation
ROOA — Return on Operating Assets

BAT — Budget Advisory Team
ABF — Asset-Based Financing
PE — Price to Earnings Ratio
FPML — Financial Products Markup Language
WIDER — United Nations University World Institute for Development Economics Research
AFL-CIO — American Federation of Labor and Congress of Industrial Organizations
YAHOO — You Are Hazy Over Oranges
ADP — Average Deferral Percent
COHRS — Central Office Human Resources Service
EFT — Electronic Funds Transfer
HHS — Health and Human Services Department
DIH — Days Inventory Held
OIOS — Office of Internal Oversight Services
OR — Operating revenue
ELP — Electing large partnership
FCCPA — Federal Consumer Credit Protection Act of 1968
MIME — Multipurpose Internet Mail Extension
LSE — London Stock Exchange
ECOMOG — Economic Community of West African States' Monitoring Observer Group
ECP — Engineering Change Proposals
ACV — Account Current Value
DBO — Death Benefit Only
AFDA — Allowance for Doubtful Accounts
ZEN — Zero Effort Network
ITMP — Information Technology Management Program
SEM — Shared-Equity Mortgage
FERC — Federal Energy Regulatory Commission (U.S.)
LCM — Lower of Cost or Market
AAGR — Annual average growth rate
PJ — Purchases journal
AFB — American Farm Bureau, Inc.
EGI — Effective Gross Income
CUM — Cumulative
HCIP — Harmonized Index of Consumer Pricing
HDAPT — Hybrid domestic asset protection trust
DUSH — Deputy Under Secretary for Health
TBC — To Be Contested
A&I — Accident and Indemnity
NOI — Net Operating Income
SAS — Statement of Accounting Standards
RSA — Rivest-Shamir-Adleman
NACUBO — National Association of College & University Business Organizations
AAPC — Accounting and Auditing Policy Committee
ABLOS — Advisory Board on the Law of the Sea
ERTA — Economic Recovery Tax Act
OI&T — Office of Information and Technology
FSP — FASB Staff Position
ACP — Average Contribution Percentage
CFTC — Commodity Futures Trading Commission
DESIPA — Department for Economic and Social Information and Policy Analysis

P&I — Principle and interest payment
C&B — Compensation and Benefits
TRUPS — Trust Preferred Securities
REA — Return on assets
PERAB — President's Economic Recovery Advisory Board
EPPA — Employee Polygraph Protection Act
NASDAQ — National Association for Security Dealers and Automatic Quotation
UC — Unemployment Compensation
AFP — Association for Financial Professionals
CADR — Cash available for distribution before debt reduction
CMO — Chief Marketing Officer
ROTA — Return On Total Assets
GAO — Government Accounting Office
GTL — Group Term Life Insurance.
MOTO — Mail order-telephone order
LT — Long Terme
LEI — Leading Economic Indicators
GAAS — Generally Accepted Auditing Standards. Perhaps only marginally less contradictory than GAAP, but they do exist, honestly.
RRSP — Registered Retirement Savings Plan (Canada; Roughly Equivalent To The IRA In The U.S.)
UNPD — United Nations Population Division
PGI — Potential Gross Income
GR — General Revenue
DRP — distribution requirements planning
ICGFI — International Consultative Group on Food Irradiation
USRPI — U.S. real property interest
LTI — Long-term incentive
LBO — Leveraged Buyout
PLM — Product Lifecycle Management
FMV — Fair Market Value
UNCCP — United Nations Conciliation Commission for Palestine
I-9 — I-9 Form
CHRC — Criminal History Records Check
A&W — Allen & Wright (Roy Allen and Frank Wright combined their initials to name A&W Root Beer in 1922)
ADEA — Age Discrimination in Employment Act's
LDI — Liability Driven Investment
DCPP — Defined Contribution Pension Plan
SBRB — Small Business Research Board
CMA — Certified Management Accountant
PBA — Pending bank approval
SEC — Securities and Exchange Commission (US)
SB/SDB — Small Business/Small Disadvantaged Business
UNCIVPOL — United Nations Civilian Police
PIK — Payment in Kind
IASC — International Accounting Standards Committee
PCE — Personal consumption expenditure; personal consumption expenditure deflator
EPS — Earnings per share
UPS — United Parcel Service, Inc.
CSO — Chief Security Officer
TWA — Time Weighted Averages
HRD — Human Resource Development

TRASOP — Tax Reduction Act ESOP
ROAE — Return on Assets Employed
ROS — Return on Sales
MVIC — Market Value of Invested Capital
PITI — Principal, Interest, Taxes, and Insurance
UNRISD — United Nations Research Institute for Social Development
SRPM — Stated Redemption Price at Maturity
IAB — Internet Advertising Bureau
TUR — Total Unemployment Rates
CPFFC — Cost-plus-fixed-fee contract
OSBDU — Office of Small and Disadvantaged Business Utilization
FEI — Financial Executives Institute
NPA — Non-Performing Assets
TRA — Tax Reform Act
EBSA — Employee Benefits Security Administration
ACRB — Architectural Change and Review Board
OER — Operation Expense Ratio
CRT — Charitable Remainder Trust
BRICS — Brazil, Russia, India, China and South Africa
STTR — Small Business Technology Transfer
ECOSOC — Economic and Social Council of the United Nations
UNIFIL — United Nations Interim Force In Lebanon
PSA — Public Service Announcement (radio/TV Term)
ALV — Average Lease Value (Cars)
SBAP — Small Business Assistance Program
CSO — Central Statistical Organisation
CFIUS — Committee on Foreign Investment in United States
SBD — Small Disadvantaged Business
ATB — Adjusted Trial Balance
EMV — Europay, Master Card and Visa
ZEBRA — Zero-balance reimbursement account
TPRB — Trade Policy Review Body
BOD — Board of Directors (Budget)
OHCHR — Office of the United Nations High Commissioner for Human Rights
ECB — European Central Bank
RFPA — Right to Financial Privacy Act of 1978
COL — Cost Of Living
VAO — Virtual Acquisition Office
CMSA — Consolidated Metropolitan Statistical Area
TSR — Terminate and Stay Resident [software program]
DTCC — Depository Trust & Clearing Corp
GCOS — Global Climate Observing System (WMO, IOC, UNEP, and ICSU)
FASAC — Financial Accounting Standards Advisory Council
FITW — Federal Income Tax Withholding
CIMC — Certified Investment Management Consultant
CPR — Cardio-Pulmonary Resuscitation
QBU — Qualified Business Unit
SARSEP — Salary Reduction Simplified Employee Pension Plan
RIPA — Retirement Income Policy Act
CSPN — College Savings Plan Network

VIE — Variable Interest Entity
SAAR — Seasonally Adjusted Annual Rate
GNMA — Government National Mortgage Association
BOA — Basic Ordering Agreement
CEBS — Certified Employee Benefits Specialist
UNCTAD — United Nations Conference on Trade and Development
IRP — Industry Risk Premium
UNHCHR — United Nations High Commissioner for Human Rights
TVI — Trade Value Index
A/S — Account sales
CUSIP — The Committee Of Uniform Security Identification Procedures
ASTD — American Society for Training and Development
NIOSH — National Institute of Occupational Safety and Health's
DRO — Domestic Relations Order
PBO — Projected Benefit Obligation
OSHA — Occupational Safety and Health Act (1970)
CPLTD — Current portion of long-term debt
GASB — Governmental Accounting Standards Board
NABA — National Association of Black Accountants, Inc.
EAC — Employee Advisory Committee
EMIF — Emerging Issues Task Force
QWL — Quality of Work Life
UNCT — United Nations Country Team
AR — Accounts Receivable
WFC — World Food Council
GIC — Guaranteed Investment Contract
BDI — Brand Development Index
ICSAB — International Civil Service Advisory Board
EAR — Export Administration Regulations
MBE — Mortgage banking enterprise
QSF — Qualified Settlement Fund
ROA — Return on assets
EPCM — Exempt-contract, percentage-of-completion method
PDA — Payday Advance Loan
PAAS — Platform-as-a-Service
UNFPA — United Nations Fund for Population Activities (see www.unfpa.org)
YRT — Yearly Renewable Term
RAN — Revenue Anticipation Note
TEA — Technology-enabled auditing
EB — Extended Benefits
CGMA — Chartered Global Management Accountant
BOC — Budget Object Code
FHA — Federal Housing Administration
FAAS — Financial Assurance and Accountability Standards
ITSM — Information Technology Service Management
IBEW — International Brotherhood of Electrical Workers
NSF — Not Sufficient Funds
BPO — Bargain Purchase Option
UNCITRAL — United Nations Commission On International Trade Law
ESA — Coverdell education savings account

F2F — Face-to-Face Meeting
CBCMC — Clinical Bar Code Multidisciplinary Committee
FAS — Financial Accounting Standards
AD & D — Accidental Death and Dismemberment
LEC — Local Exchange Carrier
UNCSW — United Nations Commission on the Status of Women
FMR — Fair Market Rental
S&P — Standard & Poor's
HDML — Handheld Device Markup Language
NRMLA — National Reverse Mortgage Lenders Association
UNDAF — United Nations Development Assistance Framework
ADR — Asset Depreciation Range (finance)
IAF — Inflation Adjustment Factor
ECE — Economische Commissie voor Europa (United Nations) (Dutch: Economic Commission for Europe)
ROC — Return on Capital
MLD — Market-linked deposit
GTOS — Global Terrestrial Observing System
PHI — Protected Health Information
FINCEN — Financial Crimes Enforcement Network
SSA — Social Security Administration
PBT — Profit Before Tax
ITC — International Trade Center
UNTMIH — United Nations Transitional Mission in Haiti
BIA — Business Impact Analysis
BRC — Business Reply Card
MSP — Managed Service Provider
DVA — Debt value adjustment
J&S — Joint and Survivorship
SBBA — Sales and Buy-Back Agreement
ETC — Estimate To Completion
PW — present worth
AGT — Agent
BCFD — Billion Cubic Feet per Day
DINKS — Dual Income, No Kids
DWC — Days working capital
TSP — Thrift Savings Plan
MOD — Manufacturing on demand
FAO — Food and Agriculture Organization of the United Nations
JEC — Joint Economic Committee
DVOP — Disabled Veterans Outreach Program
ESA — Employment Standards Administration
HC — Humanitarian Coordinator
NCUSIF — National Credit Union Share Insurance Fund
NFE — Net Financial Expense
DTL — Deferred Tax Liability
CLAT — Charitable Lead Annuity Trust
DSPP — Direct Stock Purchase Plan
SDVOSB — Service-Disabled Veteran-Owned Small Business
TN — Temporary Visa
NAPAT — National Association for Private Annuity Trusts

IRMAA — Income Related Medicare Adjustment Amount
LLIC — Limited liability investment company
SIV — Structured Investment Vehicle
SLOB — Separate Line of Business
ACW — African Centre for Women
FAME — Facilities Maintenance Engineering
LLTC — Limited liability trust company
ICPD — International Conference on Population and Development
UNCRD — United Nations Centre for Regional Development
FSLIC — Federal Savings & Loan Insurance Corporation
OA — Operating Assets
IPA — Inflation Protected Annuity
VEVRA — Vietnam-Era Veterans Readjustment Act
OR — Operations research
NDA — Nondisclosure Agreement
INCB — International Narcotics Control Board
CISSP — Certified Information Systems Security Professional
DOM — Distributed Order Management
ADI — Area of Dominant Influence
IBDOEI — Income before discontinued operations and extraordinary items
PPA — Pension Protection Act of 1987
SMLLC — Single Member Limited Liability Company
TPL — Third-Party Liability
OCBOA — Other Comprehensive Basis of Accounting
DBPP — Defined Benefit Pension Plan
UNEF — United Nations Emergency Force
BPC — Business Planning Cycle
EEOICPA — Energy Employee Occupational Illness Compensation Program Act
ACABQ — Advisory Committee on Administrative and Budgetary Questions
ABS — Asset Based Securitization
SEP — Simplified Employee Pension
GPO — Guaranteed Purchase Option
MMC — Money market certificate of deposit
UNCC — United Nations Compensation Commission
ITSD — Information Technology Services Division
BBB — Better Business Bureau's
LTO — Long-Term Option
VA — Veterans Affairs
TAMRA — Technical and Miscellaneous Revenue Act of 1988
ZBB — Zero-based budgeting
SRSG — Special Representative of the Secretary-General
UNSO — United Nations Sudano-Sahelian Office
UNSCEAR — United Nations Scientific Committee on the Effects of Atomic Radiations
QREC — Quality Review Executive Committee
DNAMTI — Distributable Net Alternative Minimum Taxable Income
CRPC — Chartered Retirement Planning Counselor
UNSD — United Nations Statistic Division
ISO — Incentive Stock Option
C2C — Customer to Customer
BCAG — Business Community Advisory Group

LWP — Leave With Pay
NCSA — National Center for Supercomputing Applications
ROG — Receipt Of Goods
UNCED — United Nations Conference on Environment and Development
UDR — Unused development rights
OER — Owner's equivalent rent
LTD — Long Term Insurance
MPPAA — Multiemployer Pension Plan Amendments Act
CSV — Cash Surrender Value
DCAA — (U.S.) Defense Contract Audit Agency
SAT — Scholastic Aptitude Test
BOS — Behavior Observation Scale
PE — Printer Error
IMO — International Maritime Organization
ERM — Enterprise Resource Management
IASA — Internation Air Shipper's Association
AAG — Audit and accounting guides
EPLI — Employee practices liability insurance
CIA — Certified Internal Auditor (US)
NEO — New and Emerging Occupations
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
MEWA — Multiple Employer Welfare Arrangement
TOD — Transfer on death
IASB — International Accounting Standards Board
CIK — Central index keys
NMHPA — Newborns’ and Mothers’ Health Protection Act
SMSA — Standard Metropolitan Statistical Area
NAR — National Association of Realtors
SMI — Supplemental Medical Insurance (US Medicare Part B)
GSR — General Securities Representative
PCAOB — Public Company Accounting Oversight Board
ARB — Accident Review Board
BNIB — Business Needs and Investment Board
PCS — Post-contract customer support
DB — Defined Benefit (retirement Plan; For Example, A Pension)
CBI — Compliance and Business Integrity
ILO — International Labor Organization (UN)
RJP — Realistic Job Preview
AATF — Airport and Airway Trust Fund
PIM — Product Information Management
ACII — American Association of Individual Investors
MBA — Masters of Business Administration
GAAFR — Governmental Accounting, Auditing, and Financial Reporting
BLBA — Black Lunch Benefits Act
SOV — Share Of Voice
ACFR — Advisory Committee on Fishery Research
OTB — Off-Track Betting
FLP — Family Limited Partnership
TDB — Temporary Disability Benefits
EM — Emergency Loan Program

EIC — Earned Income Tax Credit
ASPPA — American Society of Pension Professionals & Actuaries
ASCI — Advertising & Standards Council of India
PE — Pass-through entity
PTO — Paid Time Off
UNOMIL — United Nations Observer Mission In Liberia
FMRR — Financial Management Rate of Return
IRDA — Insurance Regulatory Development Authority
IAM — Identity and Access Management
PEC — Potential earnings converted
AMTFTC — Alternative minimum tax foreign tax credit
OCHA — Office for the Coordination of Humanitarian Affairs
QR — Quality Review
INC. — Incorporated
WCC — World Climate Conference
NCUA — National Credit Union Administration
AMCD — Audit and Management Consulting Division
VSOP — Very Special Old Pale
ILC — International Law Commission
ISO — International Standard Organisation
RCN — Replacement Cost New
SBLF — Small Business Lending Fund
BOT — Board of Trustees
COLI — Cost of Living Index
NNTP — Network News Transport Protocol (ATM)
HPI — Human Poverty Index
OIS — Occupations Information System
USC — United States Code
SSBCI — State Small Business Credit Initiative
UNFCCC — United Nations Framework Convention on Climate Change
UNDOF — United Nations Disengagement Observer Force
AFICS — Association of Former International Civil Servants
UNTAC — United Nations Transitional Authority in Cambodia
TTD — Temporary Total Disability
WPI — Wholesale Price Index
NAIC — National Association of Insurance Commissioners
GPML — Global Programme Against Money Laundering
TPA — Third Party Administrator
RFM — Rcency, Frequency, Monetary Analysis
UNOMUR — United Nations Observer Mission Uganda-Rwanda
PIPE — Public investment in private equity
FEA — Fair Employment Act
EOI — Evidence of Insurability
IMR — Information Management Research
PVT — Persons Viewing Television
BPD — barrels per day
LMI — Lender's mortage insurance
SFAS — Statements of Financial Accounting Standards
MSPA — Migrant and Seasonal Agriculture Worker Protection Act
CPIC — Capital Planning and Investment Control

PRP — Preferred Risk Policy
FHLMC — Federal Home Loan Mortgage Corporation, United States
SPHR — Senior Professional Human Resources
ATU — Annual Tax Unit
RMBS — Residential mortgage backed securities
EDA — Economically Depressed Area
Y/Y — Year-over-year
SME — Small- to medium-sized entities
UNSCOM — United Nations Special Commission for the Elimination of Iraq's Weapons of Mass Destruction
PSI — Performance Salary Increase
CEA — Chief Enterprise Architect
BPO — Business Process Optimization
DMFAS — Debt Management and Financial Analysis System
SIFMA — Securities Industry and Financial Markets Association
BML — Bean Markup Language
BSNL — Bharath Sanchar Nigam Limited
QSPE — Qualified special purpose entity
PT — Part-Time
KYC — Know-your-customer
MOF — Ministry Of Finance
C&D — Cease and Desist
C&I — Commercial and industrial customers (Electricity transmission)
WHYCOS — World Hydrological Cycle Observing System
CESCR — Convention on Economic, Social and Cultural Rights
IPS — Inflation Protected Security
HROD — Human Resources and Organizational Development
NRV — Net recoverable value
EIN — Employer Identification Number
UDITPA — Uniform Division of Income for Tax Purposes Act
ASEAN — Association of South East Asian Nations
AUI — Auxiliary Unit Interface
UNV — United Nations Volunteers Programme
CEBS — Certified Employee Benefit Specialist
CLUT — Charitable Lead Unitrust
DK — Dorling Kindersley
SBIR — Small Business Innovation and Research
SHRM — Society for Human Resource Management's
FASAC — Financial Accounting Standards Advisory Committee
MTNL — Mahanagar Telephone Nigam Limited
AWW — average weekly wage
UNIPTF — United Nations International Police Task Force
SSUTA — Streamlined Sales and Use Tax Agreement
EBP — Employee Benefits Plan
IAG — International Auditing Guidelines
I&A — Interest and amortization
AFC — Average fixed costs
NABARD — National Bank for Agricultural and Rural Development
FASIT — Financial asset securitization investment trusts
SITW — State income tax withholding
SMM — Summary of material modifications

EA — Electronic Arts Inc (NASDAQ Stock Exchange [NASDAQ])
DFEH — Department of Fair Employment and Housing's
ADP — Applicable Distribution Period
CCPOQ — Consultative Committee on Programme and Operational Questions
TIF — Tax Increment Financing
F&F — Furniture & Fixtures
KFOR — UN Kosovo Force
ICQ — Internal Control Questionnaire
RESPA — Real Estate Settlement Procedures Act
SLA — Share lending agreement
SPX — Standard and Poor’s Index
CESA — Coverdell education savings account
SUA — Convention for the Suppression of Unlawful Acts Against the Safety of Maritime Navigation
HCM — Human Capital Management
ODCF — Owner's Discretionary Cash Flow
UNOG — United Nations Office at Geneva
UNCHS — United Nations Centre for Human Settlements
CAPS — Convertible Adjustable Preferred Stock
SLE — Single lease expense
PCM — Percentage-of-completion method
SSD — Social Security Disability
S&L — Savings and Loan
FCB — Foote Cone & Belding
E&P — Earnings & Profits
CF — Cash Flow
CPO — Chief of Purchasing Office
TAA — Trade Adjustment Act
INSTRAW — International Research and Training Institute for the Advancement of Women
NRF — National Retail Federation
POP — Public Offering Price
IHRIM — International Association of Human Resource Information Management
MFST — Manifest
CSR — Corporate Social Responsibilty
HRA — Health Reimbursement Arrangement
MST — Marketable Securities Tax
AC — Acceleration Clause
CWHSSA — Contract Work Hours and Safety Standards Act
USPTO — U.S. Patent and Trademark Office
CBHCO — Community-Based Health Care Organization
SIB — Securities and Investment Board
MSPR — Medicare Secondary Payer Rules
LEAF — Logistics, Engineering, Acquisition, and Finance
LCC — Life Cycle Cost
PTP — Publicly Traded Partnership
ASR — Accelerated Stock Repurchase
HRCI — Human Resource Certification Institute
COP — Conference of the Parties
ESAF — Enhanced Structural Adjustment Facility
DBIC — Data Base Integration Committee
CGL — Comprehensive General Liability

REMIC — Real Estate Mortgage Investment Conduit
TPS — Transaction processing services
IUR — Insured Unemployment Rates
SFO — Solicitatio for offers
LAIA — Latin American Integration Association
VEBA — Voluntary Employees' Beneficiary Association
LRO — Labor Relations Officer
ECM — Enterprise Content Management
OOB — OOS out of business
CCI — Consumer Confidence Index
ISM — Interactive Studio Management
COSO — Committee of Sponsoring Organizations
NSBA — National Small Business Association
UNMAS — United Nations Mine Action Service
SSVS — Statement on Standards for Valuation Services
GEENET — Global Environmental Epidemiology Network
ODDS — Online Data Delivery System
MHAEA — Mental Health and Addiction Equity Act
AIME — Average Index Monthly Earnings
NAO — National Administrative Offices
ROFR — Right of First Refusal (finance)
ECN — Electronic Communications Network
PUD — Planned Unit Development
CEDAW — Committee on the Elimination of Discrimination against Women
USPAP — Uniform Standards of Professional Appraisal Practice
DM — Department of Management
AFN — Additional Funds Needed
UCR — Usual, customary, and reasonable
POB — Public Oversights Board
LLDIE — Limited life debt investment entity
ABC — Audit Bureau of Circulations Inc.
EVM — Earned Value Management
EDGAR — Electronic Data Gathering, Analysis and Retrieval
UNOSOM — United Nations Operation in Somalia
APOC — Administrative Point of Contact
XBRL — Extensible Business Reporting Language
BSM — Black-Scholes-Merton
PRA — Paperwork Reduction Act of 1980
EOLI — Employer owned life insurance
PERC — Premiums, earnings and reasonable charges
CLU — Chartered Life Underwriter
ADA — Associate Deputy Administrator
ADP — Attention Dial Pulse
ESS — Employee Self-Service System
NAFTA — North American Free Trade Agreement
DAF — Donor Advised Fund
CCHR — Canadian Council on Human Resources
UNDAW — United Nations Division for the Advancement of Women
DTP — Data Transfer Program
SDVOB — Service-disabled veteran owned business

FRA — Federal Reserve Act
AWL — Actual Wage Loss
LTD — Limited
UNOGBIS — United Nations Peace-Building Support Office in Guinea-Bissau
BCP — Business Continuity Plan
DAW — Division for the Advancement of Women
MCC — Mortgage Credit Certificate
USOA — Uniform system of accounts
SECA — Self-Employment Contributions Act
SMB — Small- to medium-sized business
STD — Short-term disability
GAAP — Generally Accepted Accounting Principles
HCO — Health Care Organization
JTPA — Job Training Partnership Act
IOLTA — Interest on Lawyer's Trust Account
UNISTE — United Nations International Symposium on Trade Efficiency
LC — Limited Company
QE — Quarter Ending
VA — Variable Annuity
EAPA — Employee Assistance Professionals Association, Inc
NRET — Non-Resident Withholding Tax
NPL — Nonperforming loan
CFIA — Competency Framework for Internal Auditing
ESL — English as a second language
GRID — Global Resource Information Database (UNEP)
UNDCP — United Nations International Drug Control Programme
VXML — Voice eXtensible Markup Language
SWOT — Strengths, Weaknesses, Opportunities and Threats
FEIN — Federal Employment Identification Number
BET — Business entity tax
SV — Salvage value
UNPD — United Nations Procurement Division
CRM — Credit Risk Management
UNL — Universal Networking Language
UNPROFOR — United Nations Protection Force (in Former Yugoslavia)
ECAB — Employee's Compensation Appeals Board
DGFT — Director General of Foreign Trade
CFO — Chief Financial/Fiscal Officer
PFK — Pay-for-knowledge-and-skills plans
DBA — Davis-Bacon Act
FIRPTA — Foreign Investment in Real Property Tax Act
AFSCME — American Federation of State, County and Municipal Employers
D&O — Directors and Officers Liability
ECR — Executive Conference Room
MSRB — Municipal Securities Rulemaking Board
CDFI — Community Development Financial Institution
MAGI — Modified Adjusted Gross Income
XML — Extended Markup Language
ITIL — Information Technology Infrastructure Library
IFUP — International Forum on Urban Poverty

MUD — Multiple User Dungeon
SIC — Standard industrial clssification
ITBAT — IT Budget Analysis Team
CCR — Central Contractor Registeration
GPHR — Global Professional in Human Resources
UNIIMOG — United Nations Iran-Iraq Military Observer Group
NRI — Net Revenue Interest
DDB — Double-Declining-Balance
WKLY — Weekly
IDS — Income Deposit Securities
UNCDF — United Nations Capital Development Fund
OCC — Office of the Comptroller of the Currency
PM — Profit Margin
NFTC — National Foreign Trade Council, Inc.
D&B — Dun & Bradstreet
BA — Business Architecture
OTCEI — Over the Counter Exchange of India (stock exchange)
UNITAR — United Nations Institute for Training and Research
IEC — Inter Exchange Carrier
FBAR — Foreign Bank & Financial Account
DRPC — Division for Resources Planning and Coordination
DOCO — Development Operations Coordination Office
CMYK — Cyan, Magenta, Yellow, Black
CSA — Cost Sharing Arrangement
CNC — Currently Not Collectible
DSPD — Division for Social Policy and Development
UFW — United Farm Workers
IEFR — International Emergency Food Reserve
GRC — Goverance, risk and compliance
NAVA — National Association for Variable Annuities
ICC — International Chamber of Commerce
GSTP — Global System of Trade Preferences
EPROM — Electrically Programmable Read Only Memory
ADP — Automatic Data Processor
MDA — Market development funds
FO — Foreign to occupation
VHA — Veterans Health Administration's
MTL — Multi-Level Marketing
CPI-W — Consumer Price Index for Urban Wage Earners and Clerical Workers
WRC — World Radiocommunication Conference
HCSA — Health Care Spending Account
CEU — Continuing Education Unit
QPRT — Qualified Personal Residence Trust
DGAACS — Department of General Assembly Affairs and Conference Services
DUS — Dollar Unit Sampling
DII — Days in Inventory
GIWA — Global International Waters Assessment
CEIT — Comprehensive business income tax
NBIA — National Business Incumbation Association
PING — Pocket Internet Gopher

PAR — Public Accounting Report
BIMS — Business Information Management Suite
OASDHI — Old Age, Survivors, Disability and Health Insurance Act
SDD — Software Design and Development
ACLI — American Council of Life Insurance
ARD — Actual retirement date
ALBRS — Automated Lending and Borrowing in Rolling Settlement
FT — Full-Time
BAT — Bureau of Apprenticeship and Training
STOLI — Stranger-originated life insurance
CTJ — Citizens for Tax Justice/Institute on Taxation and Economic Policy
EPLI — Employment Practices Liability Insurance
IFOR — Implementation Force
VWPX — Volume Weighted Price Uncrossing
AGGG — Advisory Group on Greenhouse Gases
A&A — Advisory & Assistance
FRF — Financial Reporting Framework
VAL. — Value
OLA — Office of Legal Affairs
ADS — Alternative Depreciation System
EBO — Employee Buyout
STIP — Short-Term Industry Projections
MSER — Multi-state Employer Registration
NCO — Net chargeoffs
DUSHOM — Deputy Under Secretary for Health for Operations and Management
BOC — Business Operations Committee
LTCG — Long-term capital gain
CUM DIV — Cumulative dividend
VRM — Variable Rate Mortgage
HP — Hewlett Packard's
ILM — Industrial Light and Magic, Inc.
ALBCC — Account Level Budget Cost Center
CVLI — Cash Value Life Insurance
BAN — Bank anticipation notes
ISMUN — International Student Movement for the United Nations
SEDR — Systems Engineering and Design Review
LTC — Long-Term Care
BRB — Benefit Review Board
CBO — Chief Business Office
FIA — Federal Insurance Administration
FMC — Federal Maritime Commission's
NASDR — National Association of Securities Dealers Regulation
TILA — Truth In Lending Act
RFA — Regulatory Flexibility Act (US)
R/E — Retained earnings
CIPP/G — Certified Information Privacy Professional/Government
FYE — Fiscal year ended
TCOE — Total Cost of Equity
QTIP — Qualified Terminable Interest Property
CODI — Cancellation of Debt Income

OEBS — Office of Employee Benefits Security
CRFB — Committe for Responsible Federal Budget
CEHIST — Center for Evaluation of Healthcare Information Systems & Technology
MOC — Market On Close
SSARS — Statement on Standards for Accounting and Review Services
ITMRA — Information Technology Management Reform Act (Part of the Clinger-Cohen Act)
RR — Revenue Ruling
PAM — Pledged Account Mortgage
VUL — Variable Universal Life
CPC — Committee for Programme and Coordination
AFN — Annual Funding Notice
NASBA — National Association of State Boards of Accountancy
CAMPS — Cumulative Auction Market Preferred Stock
PIA — Primary Insurance Amount
IAP — Initial advance payment
RET — Retirement earnings test
SDA — Self-directed brokerage account
ROU — Right of Use
FCCC — For the Framework Convention on Climate Change
TTL — Total Linhas Aéreas
LMA — Labor Market Area
OTI — OSHA Training Institute
URLA — Uniform Residential Loan Application
BRM — Business Reference Model
SEPHA — Special Emergency Programme for the Horn of Africa
POD — Professional & Organizational Development
CEOSH — Center for Engineering & Occupational Safety and Health
VOPAN — Voice Pitch Analysis
PFR — Portable Font Resource
CNS — Continuous Net Settlement
AFTS — Automatic Funds Transfer Services
UNICEF — United Nations International Children's Emergency Fund
LTC — Long-Term Care
SRO — Self Regulatory Organization
UNREO — United Nations Rwanda Emergency Office
EBS — Employee Benefits Security
WPP — Wire and Plastic Products
KSA — Knowledge, Skills, Abilities
SMA — Separately Managed Account
UNOHCI — United Nations Office of the Humanitarian Coordinator for Iraq
EBSA — Employee Benefit Security Administration's
TL — Time & Labor
COFI — Cost of Funds Index
GEM — Growing Equity Mortgage
VOCC — Vessel Operating Common Carriers
JAIN — Joint American Indian Network
CFOC — Chief Financial Officers Council
FOK — Fill-or-kill order
CSP — Certified Speaking Professional
DPGA — Deferred Payment Gift Annuity

FACCT — Foundation for Accountability
GINA — Genetic Information Nondiscrimination Act of 2007
ICSC — International Civil Service Commission
PWBA — Pension and Welfare Benefits Administration
UNPA — United Nations Postal Administration
EHLP — Emergency Homeowners Loan Program
FALD — United Nations Field Administration and Logistics Division
CPP — Consumer Preferences and Policy
TOFC — Trailer On Flat Car
SSBIC — Specialized Small Business Investment Company
FMOC — Federal Open Market Committee
CFP — Certified Financial PlannerTM
HCTC — Health Coverage Tax Credit
CHRC — Canadian Human Rights Commission
BCA — Business Continuity Plan
ICE — Internal control evaluation
UNAIDS — Joint United Nations Programme on HIV/ Acquired Immune Deficiency Syndrome
KSA — Knowledge Skills or Abilities
SPD — Summary Plan Description
UNIPOM — United Nations India-Pakistan Observation Mission
CBFA — Committee on Budget, Finance and Administration
HRMS — Human Resource Management System
WHCRA — Women’s Health and Cancer Rights Act of 1998
DEFRA — Deficit Reduction Act
PKO — Peace-Keeping Operation
HQS — Housing Quality Standards
DKNY — Donna Karan New York
NTFO — Nationwide Tax Forums Online
SPAC — Special-purpose acquisition company
IDB — Industrial Development Board
EPA — Expanded Programme of Assistance
OIP — Office of the Iraq Programme
HTTP — Hyper Text Transport Protocol
CPE — Continuing Professional Educational
PM — Performance Management
COE — Certificate of Eligibility
QCR — Quarterly Contributions Report
FMSHA — Federal Mine and Safety Health Act
COAS — Clinical Observation Access Control
SPE — Special Purpose Entity
USAA — United Services Automobile Association's
VOSB — Veteran-Owned Small Business
AIR — Assumed Investment Rate
AA — Average Audience
RDC — Remote Deposit Capture
MHPA — Mental Health Parity Act of 1996
QJSA — Qualified Joint and Survivor Annuity
COBRA — Common Object Request Broker Architecture
GLSO — Group Legal Services Organization
MLA — Minimum Liquid Assets

UNCJIN — United Nations Crime and Justice Information Network
UNSC — United Nations Security Council
NOLD — Net Operating Loss Deduction
IETC — International Environmental Technology Centre
UNOV — United Nations Office at Vienna
PCE — Pre-existing Condition Exclusion
MSI — Multiple Streams of Income
STF — Summary Tape File
C&A — Certification & Authority
USCIS — U.S. Citizenship and Immigration Service
LDP — Last Day Paid
EBRI — Employee Benefits Research Institute
SEPPAA — Single Employer Pension Plan Amendments Act
MSFW — Migrant and Seasonal Farm Worker
FLC — Foreign Labor Certification
UNMIH — United Nations Mission In Haiti
BPM — business process management
BQ — Best Qualified
SHD — Sustainable Human Development
HB — House B ill
PDA — Public Displays of Affection
JSSA — Jury Selection and Service Act
FEP — Fair employment practice
CFC — Chartered Financial Consultant
F&C — Free and Clear
3COM — Computer, Communications and Compatibility
LTI — Lead Time Interval
FPO — Fruit Products Order
IMFL — Indian-Made Foreign Liquor
DAC — Delivery Against Cost
MBS — mortgage backed security
BPC — Budget Priority Committee
SCA — Service Contract Act
IPI — Industrial Protection Index
VAAR — Department of Veterans Affairs Acquisition Regulation
NAALC — North American Agreement on Labor Cooperation
NRD — Normal Retirement Date
ECU — Emergency Coordination Unit
UIC — Unemployment Insurance Commission (Canada, archaic)
MTM — Market to Market
CSA — Capital Support Agreements
BAT — Business Action Theory
ODPR — Office for Displaced Persons and Refugees
IRD — Income in respect of a decedent
RO/RL — Rool on/roll off
OSDC — Over/Short/Damage/Claims
XUL — eXtensible UserInterface Language
FRN — Floating rate notes
EBX — Electronics Boutique X
NMFC — National Motor Freight Classification

FSA — Flexible Spending Arrangement
UNDG — United Nations Development Group
SSI — Supplemental Security Income
ULPA — Uniform Limited Partnership Act
UCR — Usual, Customary and Reasonable Fees
CHFC — Chartered Financial Consultant
STW — School-To-Work
POP — Point-of-purchase
UNAFRI — United Nations African Institute for the Prevention of Crime and the Treatment of Offenders
TSA — Tax-sheltered annuity
NDNH — National Directory New Hires
DUZ — Designated User
PTSD — Post Traumatic Stress Syndrome
YSP — Yield-spread premium
CRC — Committee on the Rights of the Child
SLOB — Separate lines of business
ZAW — Zero Administration for Windows
AFE — Average Funds Employed
NRA — Normal Retirement Age
RFB — Request For Bid
HWRP — Hydrology and Water Resources Programme
ALC — Agency Location Code
EPTA — Expanded Programme of Technical Assistance
ICS — Information Centres Services
UNZAP — United Nations Zambia Assistance Programme
HUT — Households Using Television
CPSC — Consumer Products Safety Commission
ATNOL — Alternative Minimum Tax Net Operating Loss
UNSMIH — United Nations Support Mission In Haiti
GED — General Equivalency Diploma
SSOP — Second Surgical Opinion Program
NPT — Non-Proliferation Treaty
CSA — Common Services Architecture
DAP — Direct Access Program
MDIB — Minimum Distribution Incidental Benefit
UMB — United Missouri Bank
OM — Options Market
PTAC — Procurement Technical Assistance Center
VBA — Veterans Benefit Administration
HRA — Health Reimbursement Account
T/B — Trial balance
CSEMO — Corporate Senior Executive Management Office
ROTC — Reserve Officer Training Corporation
ATNOLD — Alternative Minimum Tax Net Operating Loss Deduction
F/K/A — Formally known as
GAP — Gross amount paid
ISO — Independent Sales Organization
EPAU — Evaluation and Policy Analysis Unit
GIPS — Global Investment Policy Standards
ICRA — Investment Information and Credit Rating Agency

A/O — Administrative Offices
HARP — Home Affordable Refinance Program
EDI — Electronic Date Interchange
PM PAR — Program Management Policy, Assessment, and Reporting
WPPDA — Welfare and Pension Plan Disclosure Act
ESOT — Employee Stock Ownership and Trust
SEPED — Social Development and Poverty Elimination Division
ITLO — Information Technology Logistics Office
CDR — Centre for Documentation and Research
SDE — Service Delivery and Engineering
IDS — International Development Strategy
B2C — Business to Citizen
NVCA — National Venture Captial Association
ECOA — Equal Credit Opportunity Act
FUTA — Federal Unemployment Tax Act
LAUS — Local Area Unemployment Statistics
CSUM — Common Security User Manager
EBO — Equity buy out
NIPA — National income and product accounts
WRAEA — Workforce Reinvestment and Adult Education Act
RA — Resident Alien
NYMEX — New York Metal Exchange
IFEBP — International Foundation of Employee Benefit Plans
JPO — Junior Professional Officer
DUA — Disaster Unemployment Assistance
OGC — Office of the General Counsel
IFC — International Finance Corporation
FVO — Fair Value Option
VAT — Value-added taxes
ADAS — Associate Deputy Assistant Secretary
JD — Juris Doctorate
ITAM — IT asset management
PEPPRA — Public Employee Pension Plan. Reporting and Accountability Act
ELI — Equity Linked Investments
CBRS — Currency banking and retrieval system
UNSCO — Office of the United Nations Special Coordinator for the Middle East
ARS — Auction Rate Securities
CBA — Controlled Business Arrangement
UNMIK — United Nations Interim Administration Mission in Kosovo
UNOGIL — United Nations Observation Group In Lebanon
SSDI — Social Security Disability Insurance
ASF — American Securitization Forum
OAR — Overall Rate Of Return
ICDC — International Child Development Centre
PFA — Platform for Action
GEF — Global Environmental Facility (environment)
CETA — Comprehensive Employment and Training Act of 1975
VOC-ED — Vocational Education
STD — Short-term Insurance
NAEA — National Association of Enrolled Agents

AIMS — Advertising and Integrated Marketing Solutions
VOB — Veteran-Owned Business
UPE — Unreimbursed Partnership Expenses
M&A — Merger & Acquisition
UNAMSIL — United Nations Mission In Sierra Leone
HRLY — Hourly
FACHE — Fellow in American College of Healthcare Executives
ZBA — Zero-Balance Account
CISC — Common Instruction Set Computer
UNHQ — United Nations Headquarters
ITAC — Information Technology Advisory Committee
NRA — Non-Resident Alien
MACC — Mine Action Coordination Centre
FTR — family tracing and reintegration
ATP — Acquisition Training Program
IRB — Internal Revenue Bulletin
UNTAG — United Nations Transition Assistance Group
DSW — Discount Shoe Warehouse
PMSA — Primary Metropolitan Statistical Area
FMHA — Farmers Home Administration
PMV — Private Market Value
VWPT — Value Weighted Price Trading
L/V — Loan-to-value ratio
OTR — Office of Thrift Supervision
SOBO — Small Office Business Office
CUM PFD — Cumulative preferred
NVC — National Veterans Conference
WAI — Wealth Added Index
JRPU — Joint Reintegration Programming Unit
FSET — Federal State Employment Taxes
TAT — Total asset turnover
CEA — Council of Economic Advisors
OOH — Occupational Outlook Handbook
SYSTEM — Save YourSelf Time, Engergy, and Money (as reported by www.just15minutes.com)
CALS — Continuous Acquisition Lifecycle Support
POS — Point-of-sale
WOTC — Workforce Opportunity Tax Credit
ERCI — Employee Relocation Council Institute
RTN — Routing Transit Number
CHB — Custom House Broker
UNON — United Nations Office at Nairobi
ILC — Industrial Loan Company
FACT — Fair and Accurate Credit Transactions Act of 2003
WPRO — Western Pacific Regional Office
NFIB — National Federation of Independent Business
DPSP — Deferred Profit Sharing Plan
PPA — Paperwork Reduction Act
UNFALD — United Nations Field Administration and Logistics Division
IIOP — Internet Inter operable ORB Protocol
DDB — Deemed death benefit

HRIS — Human Resource Information System
OC — Opportunity Cost
LCD — Labor Cost Distribution
GAS — Governmental Accounting Standards
UNMOVIC — United Nations Monitoring, Verification and Inspection Commission
UNIDO — United Nations Industrial Development Organization
USTC — United States Tax Court
POCS — Points of Contact
CHL — Customs house license
EMP — Environmental Planning and Management
SE — Salaried Exempt
ASHHRA — American Society for Healthcare Human Resources Administration
BONUCA — United Nations Peace-Building Office in the Central African Republic
PPBD — Programme Planning and Budget Division
ESOT — employee stock ownership trust
USERRA — Uniform Services Employment and Reemployment Rights Act
GAO — General Accountability Office
SSTP — Streamlined Sales Tax Project
PPE — Property, Plant and Equipment
CRSR — Congressional Research Service Report
LDW — Last Day Worked
WMU — World Maritime University
NBB — New Belgium Brewery
TCDC — Technical Cooperation among Developing Countries
P/E — Price-to-earnings ratio
PUT — Persons Using Television
INS — Immigration & Naturalization Service
NCAO — National Cemetery Area Office
ERM — Enterprise Risk Management
UNOCHA — United Nations Office for the Coordination of Humanitarian Affairs
ASBL — American Small Business League
REG. — Regulation
RMA — Restricted management account
N/P — Note payable
APIC — Additional paid-in capital
CTFA — Certified trust & financial advisor
FOIA — Freedome of Information Act
SBJPA — Small Business Job Protection Act of 1996
CICP — Centre for International Crime Prevention
IGE — Intergovernmental Group of Experts
BOP — businessowners policy
FELA — Federal Employment Liability Act
SLA — Supplemental Lease Agreements
SFOR — Stabilization Force
UNASOG — United Nations Aouzou Strip Observer Group
FOF — Fund of Funds
RDMHQ — Rapidly Deployable Mission Headquarters
EMA — Expense Management Automation
PL/PD — Personal liability/property damage
ISBA — International Seabed Area

FICCI — Federation of Indian Chamber of Commerce and Industry
XFRML — XML based Financial Reporting Markup Language
EPRS — Emergency Preparedness and Response Section
CUNA — Credit Union National Assocation
PTA — Preferential Trade Arrangement
IAS — International Accounting Standards
GWAC — Government Wide Acquisition Contract
RRM — Renegotiated-Rate Mortgage
ASSE — American Society of Safety Engineers-Professional
CC — Copy To
B.S. — Bachelor of Science
SHOP — Small Business Health Options Program
CWSP — College Work-Study Program
SOIR — Schaeffer Open Interest Ratio
CI — Control Item
SIPA — Securities Investment Protection Act
UNPA — United Nations Protected Area
OCR — Overall Capitalization Rate
CCSQ — Consultative Committee on Substantive Questions
SAAR — Seasonally Adjusted Annualized Rate
BKPR — Bookeeper
UNTSO — United Nations Truce Supervision Organization
UNMACC — United Nations Mine Action Coordination Centre
WBC — Women Business Center
GMIB — Guaranteed Minimum Income Benefit
OL — Operating Liabilities
MVI — Mini Vacations Incorporated
UI — Unemployment Insurance
NAWW — National Average Weekly Wages
HUDCO — Housing and Urban Development Corporation Limited
BEIT — Business Enterprise Income Tax
SSNVS — Social Security Number Verification System
NST — National Sales Tax
JCT — Joint Committee on Taxation
IREA — Intermountain Rural Electric Association
OES — Occupational Employment Statistics
CFPB — Consumer Finance Protection Bureau
DMB&B — D'arcy Masius Benton & Bowles
BCA — Board of Contract Appeals
QAIP — Quality Assurance and Improvement Plan
CBL — Common Business Language
ITC — Information Technology Conference
SDNP — Sustainable Development Networking Programme
MGIC — Mortgage Guarantee Insurance Company
HR — Headquarters Report
BAA — Business Associate Agreement
ALA — American Legion Auxiliary
SAMS — Systemic Advocacy Management System
RPO — Recruitment process outsourcing
BRD — Business Requirements Documentation

FSA — Farm Service Agency
POC — Pacific Operations Centre
CB — Carryback
UAW — United Auto Workers
FABS — Financial and Business Solutions
CEA — Certificate of Educational Achievement
HRIS — Human Resources Information System
USM — Unlisted Securities Market
AIC — Architecture and Infrastructure Committee
HDRO — Human Development Report Office
OSDBU — Office of Small and Disadvantaged Business Utilization
LOW — Lack of Work
DIMA — Division of Information Management and Analysis
POP — Premium-Only Plan
LA — Labor Area
QWI — Quarterly Workforce Indicators
BLESS — Borrowing and Lending Securities Schemes
RI — Royalty Interest
GPRS — General Packet Radio System
HAC — Health Administration Center
BB — Base Benefits
CHS — Commission on Human Settlements
OUSG — Office of the Under Secretary General
ICM — Incentive Compensation Management
NCCI — National Council on Compensation Insurance
EFW — Electronic Funds Withdrawal
PSR — Presentence report
QNEC — Qualified nonelective contributions
OIS — Overnight Index Swaps
HRIS — Human Resources Information Service
CSVLI — Cash surrender value life insurance
QR — Quarterly Report
AGFUND — Arab Gulf Programme for United Nations Development Organizations
NHCE — Non-Highly Compensated Employee
AC — Associate Chief of Staff
VPFC — Variable Prepaid Forward Contract
WOSB — Woman-Owned Small Business
VBIA — Veterans Benefits Improvement Act of 2004
IAPSO — Inter-Agency Procurement Services Office
TALF — Term Asset-Backed Securities Loan Facility
CSD — Commission on Sustainable Development's
CIMO — Commission for Methods of Observation
UNTPDC — United NationsTrade Point Development Centre
IMPACT — Inventory Management Program and Control Techinques
CPCU — Chartered property and casualty underwriter
ALBM — Automated Lending and Borrowing Mechanism
SSDI — Social Security Disability Indemnity
USD — US Dollars
ITS — Intermarket Trading System
ODCCP — United Nations Office for Drug Control and Crime Prevention

TDB — Trade and Development Board
CPDO — Constant Proportion Debt Obligation
CRA — Credit Rating Agency
TA — Technology Assessment
SITC — Standard International Trade Classification
CCM — Completed Contract Method
IPO — Incorporated to Provide
CRISIL — Credit Rating Investment Services India Limited
QIE — Domestically controlled qualified investment entity
UNDHL — United Nations Dag Hammarskjölds Library
SERP — Systemwide Electronic Research Program
VPT — Volume Price Trend
OHCA — Organized Health Care Arrangement
SNT — Supplemental Needs Trust
GLA — Gross Leaseable Area
UNJSPF — United Nations Joint Staff Pension Fund
IAG — International Advisory Group
BHC — Bank Holding Company
UNIC — United Nations Information Centre
VRP — Variable Rate Premium
PWC — Public Works Commission
CCC — Cost Containment Center
A&A — Assessment and Accreditation
STSFCTN — Satisfaction
EDP — Employee Development Plan
LEO — Long-term Equity Options
CTI — Category, Type, Item
CAA — Congressional Accountability Act
R/E — Real estate
EAO — Executive and Administrative Office
NATP — National Association of Tax Professionals
BKPR — Be Kind, Please Rewind
OCP — Overland Common Point
CFRS — Carry Forward in Rolling Settlement
COSG — Collaborative Opportunities Steering Group
HMO — Health Maintenance Organisation
UNFIP — United Nations Fund for International Partnerships
BOY — Beginning of Year Violator
OFCCP — Office of Federal Contract Compliance Programs
BRM — Business Relationship Meeting
WBG — World Bank Group
DITE — Division on Investment, Technology and Enterprise Development
UNMOT — United Nations Mission of Observers in Tajikistan
PIRG — Public Interest Research Group
IMRO — Investment Management Regulatory Organisation
HOW — Homeowner Warranty Plan
CCC — Commodity Credit Corporation
PPIP — Public-Private Investment Program
BCS — Business Case Study
UNIS — United Nations Information Service

CCSQ(PROG) — Consultative Committee on Substantive Questions (Programme Matters)
UNIDIR — United Nations Institute for Disarmament Research
ULP — Unfair Labour Practices
DWC — Division of Workers Compensation
QTD — Qualified Total Distribution
ODF — OpenDocument Format
MINX — Multimedia Information Network Exchange (system)
ECDC — Economic Cooperation Among Developing Countries
UNGIWG — United Nations Geographic Information Working Group
DDB — Doyle Dane Bernbach
GAAC — Government Accounting and Auditing Committee
PCB — Programme Coordination Board
UNAT — United Nations Administrative Tribunal
TARP — Troubled Assets Relief Program
CAO — Contract Administration Office
HR&A — Human Resources and Administration
NE — Non-Exempt
HVCC — Home Valuation Code of Conduct (mortgage and appraisal industry)
ZEN — Zero Engine Noise
OEL — Offshore Employee Leasing
LOR — Letter Of Response
FSR — Financial Strength Rating
NSTA — National Securities Trade Association
AE — Actual Expense
AR — Architecture Requirements
WIA — Workforce Investment Act
INA — Immigration and Naturalization Act
DRC — Deficit Reduction Contribution
CFS — Committee on World Food Security
CE&O — Customer education and outreach
CIFR — Committee on Improvements to Financial Reporting
IMF — International Monitary Fund
SMES — Small- and medium-scale enterprises
RWA — Risk Weighted Asset
VISN — Veterans Integrated Service Network
GEMS — Global Environment Monitoring System
WST — Waste Spare Time
FRS — Functional Requirements Specifications
PBM — Pharmacy Benefits Management (or Manager)
APB — Accounting Principles Board's
ULC — Uniform Law Commissioners
SP — Strategic Plan
SEAROWHO — Regional Office for South-East Asia Region
CCOP — Coordinating Committee for Coastal and Offshore Geoscience Programmes in East and South East Asia
WCC — Working capital cycle
PL — Profit and Loss
PPBA — Office of Programme Planning, Budget and Accounts
CFM — Construction Facility Management
HCA — head of contracting activity; humanitarian and civic assistance
CCH — Commerce Clearing House

CFC — Court of Federal Claims
UNTAET — United Nations Transitional Administration in East Timor
GCT — General Corporation Tax
NAP — Noninsured Crop Disaster Assistance Program
LLET — Limited Liability Entity Tax
IBC — Independent Breweries Company (original manufacturer of IBC Root Beer)
TPD — Third-party designee
CTI — Computer/Telephone Integration
UNMEE — United Nations Mission in Ethiopia and Eritrea
UNPF — United Nations Peace-Force
DI — Debt instrument
UNAMIR — United Nations Assistance Mission for Rwanda
REA — Retirement Equity Act
SBC — Summary of Benefits and Coverage
UNTEA — United Nations Temporary Executive Authority
C&P — Compensation & Pension
CBD — Chief Benefits Director
UNAVEM — United Nations Angola Verification Mission
B/S — Benefits/Services
DFS — Dancer Fitzerald Sample
VOC-REHAB — Vocational Rehabilitation
KMI — Key Man Insurance
UNMIBH — United Nations Mission in Bosnia and Herzegovina
AGFFA — Advisory Group on Financial Flows to Africa
EPPG — Emergency Prevention and Preparedness Group
ING — Internationale Nederlanden Group (a Financial Company)
SDC — System Development Center
KMI — Knowledge Management Initiative
ASB — Auditing Standards Board's
UNMOGIP — United Nations Military Observer Group In India & Pakistan
EDA — Economic Development Administration's
CSD — Commission for Social Development
JPAC — Joint Public Advisory Committee
USCIS — US Citizenship and Immigration Services
UNROD — United Nations Relief Operation in Dacca
EAP — Employee Assistance Plan
CPS — Core Products and Services
DBIA — Database Integration Agreement
CFBT — Cash flow before taxes
UNEP-IE — United Nations Environment Programme Industry and Environment Centre
BREP — Business Requirements Engineering Process
VC — Veterans Center
CCD — Centralized Contracting Division
UNMOP — United Nations Mission of Observers in Prevlaka
UNMO — United Nations Military Observers
D2D — Developer to Developer
PBC — Programme and Budget Committee
UNOB — United Nations Office in Burundi
NABE — National Association for Business Economics
PATS — Planning, Architecture, Technology and Services

VCL — Vacancy and collection losses
CEFU — Continuing Education Field Unit
BIOLAC — United Nations University Programme for Biotechnology in Latin America and the Caribbean
COPICS — Communication Oriented Production and Information Control System
BCBS — Blue Cross/Blue Shield
LINTAS — Levers International Advertising Services
FCIC — Financial Crisis Inquiry Commission
EFTA — European Free Trade Area
GST — Generation-Skipping Transfer
SPE — Senior Procurement Executive
CAPP — Cash Account Pension Plan
NVSBE — National Veterans Small Business Engagement
D/N — Demand note
NQPS — Nonqualified preferred stock
PCNICC — Preparatory Commission for the International Criminal Court
FWCW — United Nations Fourth World Conference on Women
BIMST-EC — Bangladesh India Myanmar Srilanka Thailand - Economic Council
COFI — Committee on Fisheries
UNRRA — United Nations Relief and Rehabilitation Agency
FS — Forest Service (USDA)
WCP — World Climate Programme (WMO/ICSU)
NGLS — United Nations Non-Governmental Liaison Service
IAAS — Infrastructure as a Service
CS — Cost-Sharing
UNOMSIL — United Nations Observer Mission in Sierra Leone
DFI — Derivative Financial Instrument
WST — Waste Science and Technology
CE — Continuing Education
PRP — Potentially Responsible Party (Superfund)
JAN — Job Accommodation Network's
UNIS — United Nations International School
UNTOP — United Nations Tajikistan Office for Peace-Building
CBC — Community Based Outpatient Clinic
B&P — Budgeting & planning
DEC — Deductible voluntary employee contributions
SST — Streamline Sales and Use Tax Agreement
CARDS — Custom Adjustable Rate Debt Structure
SAM — System for Award Management
AET — Accumulated Earnings Tax
LOC — Letter of Comment
PA — Public Accountant
WARN — Worker Adjustment and Retraining Notification Act of 1988
MSB — Money Service Businesses
B2C — Business to Comerce
CSO — Cyber Security Office
DIT — Deposit in Transit
IPMA — International Personnel Management Association
TCPC — Technical Committee for Programme and Coordination
CRAFT — Computerised Relative Allocation of Facilities Techniques
OAO — Office of Acquisition Operations

DSA — Disaster Debt Set-Aside Program
UNDC — United Nations Disarmament Commission
FEP — Fair Employment Practices
BNI — Business Needs and Investment
IM/DQ — Identity Management/Data Quality
UNOPS — United Nations Office for Project Services
R&C — Reasonable and Customary
WDC — Workforce Development Center
TAC — Technology Assessment Committee
UNJSPB — United Nations Joint Staff Pension Board
PBGC — Pension Benefit Guarantee Corporation
COAG — Committee on Agriculture
K/A — Known as
SEBI — Securities Exchange Board of India
SLS — Sales
NBER — National Bureau of Economic Research
PIP — Peace Implementation Programme
VBOP — Veterans Business Outreach Centers
CSBU — Center for Small Business Utilization
AMC — Appraisal Management Companies
UNOMIG — United Nations Observer Mission In Georgia
NAHB — NATIONAL ASSOCIATION OF HOMEBUILDERS
SOYD — Sum-of-the-years-digits
CODASYL — Committee on Data Systems Languages
INRA — United Nations University Institute for Natural Resources in Africa
CEIS — Corporate Executive Information System
ERD — Emergency Response Division
MAT — Minimum Alternative Tax
STCG — Short-Term Capital Gain
SECL — Secretarial
UNMA — United Nations Mission in Angola
ECM — Energy Conservation Measures
MP3 — Moving Pictures Experts Group 1 Audio Layer 3
DBB — Design-bid-build
HR — Headquarters Regulation
DAN — Depositor Account Number
CO — Contracting Officer
FUA — Federal Unemployment Account
UNGEGN — United Nations Group of Experts on Geographical Names
ESP — Exchange Stock Portfolio
PBSI — Performance Based Salary Increase
COD — Country Operations Division
HSBC — Household Bank Corporation
CDARS — Certificate of Account Registry Service
DNA — Distributed Internet Application Architecture
WPOA — Wagner-Peyser Act
COCA — Cost of capital allowance
BV — Book value
SMP — Special Multiperil Policy
USENET — USEr NETwork

SCP — Sustainable Cities Programme
UNOMSA — United Nations Observer Mission in South Africa
CEC — Continuing Education Center
WRHSE — Warehouse
EECB — Executive E-mail Carpet Bomb
PCE — Private Commercial Enterprise
GMP — Guaranteed Maximum Price
CSP — Cyber Security Professional
CDS — Credit default swaps
UNTAES — United Nations Transitional Administration for Eastern Slavonia, Baranja and Western Sirmium
DSPE — Deputy Senior Procurement Executive Known
PIU — Public Inquiries Unit
GAW — Global Atmosphere Watch (WMO)
TWAIN — Toolkit Without an Interesting Name
WCB — Workers Compensation Board
UNYOM — United Nations Yemen Observation Mission
AAA — Authentication, Authorization & Access
SWA — State Workforce Agencies
PWD — Prevailing Wage Determination
BDI — Behavioral Description Interview
WHOL. — Wholesale
OALC — Office of Acquisition, Logistics, and Construction
TPA — Technical Practice Aide
USITC — U.S. International Trade Commission
BIRLS — Beneficiary Identification Records Locator Subsystem
WARN — Worker Adjustment and Retraining Notification Act W&M
ITOC — Information Technology Oversight & Compliance
COSVA — Chief of Staff
SPFS — Special Programme for Food Security
UNSC — United Nations Staff College
MTHLY — monthly
RIM — Retail Inventory Method
ARR — Average Rate of Return
NUA — Net Unrealized Appreciation
COFO — Committee on Forestry
UNOVER — United Nations Observer Mission to Verify the Referendum in Eritrea
CCA — Consolidated Contracting Activity
PEP — Personal Exemption Phaseout
CT — Commercial Technology
UNGCI — United Nations Guards Contingent in Iraq
BAB — Build America Bonds
SMF/LDC — Special Measures Fund for the Least Developed Countries
RE — Residual Earnings
MW — minimum weight
VLI — Variable Life Insurance
WST — Waste Systems and Transportation
NC — National Cemetery
COMP. — Item given for free
TSB — Targeted Small Business
OF — Office of Facilities

JVC — Japan's Victor Company
EIA — Equity Indexed Annuity
RELP — Real Estate Limited Partnership
TOKTEN — Transfer of Knowledge through Expatriate Nationals
SCIN — Self-canceling installment note
FAC-C — Federal Acquisition Certification in Contracting
ITAAC — IT Acquisition Advisory Council
IIST — United Nations University International Institute for Software Technology
FPM — Flexible Payment Mortgage
CCS — Care Coordination Services
UTC — Uniform Trust Code
IUC — Information Unit for Conventions
OHRM — Office of Human Resources Management
CVE — Center for Verification and Evaluation
GIST — Graphics and Intelligence based Script Technology
ITARP — IT Activity Resource Proposal
MF — Medical Facilities
E/M — Evaluation and Management
GAW — Guaranteed Annual Wage
NOIDA — New Okhla Industrial Development Authority
ND — Network Director
SLSMN — Salesman
HEP — Humanitarian Evacuation Programme
CCP — Collateralized commercial paper
MEC — Minimum essential coverage
CPR — Committee of Permanent Representatives
BDC — Business Development Council
CIP — Capital Investment Process
BPA — Blanket purchase authoriation
CCPISA — Convention on the Privileges and Immunities of the Specialized Agencies
UNSECOORD — Office of the United Nations Security Coordinator
SGML — Standard Generalised Markup Language
EMT — Executive Management Team
BPO — Broker Price Opinion
EFAST — ERISA Filing Acceptance System
PCPB — Post-Conflict Peace-Building
SVNGS — Savings
ITC — International Training Centre
SYD — Sum-of-the-years-digits
CSCIS — Computer Software Configuration Items
CCR — Central Contracting Registry
DBM — Disruptive Behavior Management
SEES — Survey Evaluation Exam System
ECLAC — Economic Commission for Latin America and the Carebbean
FAS — Finance and Accounting System
TIFF — Tagged Interface File Format
BEST — BrihnanMumbai Electric Supply and Transport
BPO — Budget process outsourcing
INTECH — United Nations University Institute for New Technologies
NVSBC — National Veterans Small Business Conference

LTFP — Long-Term Financial Plans
NR — Not Rated
IDNDR — International Decade for Natural Disaster Reduction
NSDL — National Securities Depository Limited
TRD — Trade Relations Division
DESA — Department of Economic and Social Affairs
DOBI — Department of Defense Instruction
ITEAM — Information Technology Enterprise Architecture Management
SBI — Site Build It
LTD. — Limited
IQPA — Independent Qualified Public Accountant
IPC — Integrated Programme for Commodities
UNFSTD — United Nations Fund for Science and Technology for Development
IMC — Integrated Market Communications
CORTS — Corporate-backed trust securities
NCAER — National Council for Applied Economic Research
GEO — Global Environment Outlook Report
UNRFNRE — United Nations Revolving Fund for Natural Resources Exploration
CFP — Clinical Financial Planner
LT — Lost Time
CSE — Customer Service Environment
UNPOB — United Nations Political Office in Bougainville
PD — Procurement Division
O/S — Outstanding
FSB — Fortune Small Business
CPP — Cost Per rating Point
LDC — Low Death Conflict
DITC — Division on International Trade in Goods and Services, and Commodities
NIB — New In the Box
CATS — Certificate of accrual on Treasury securities
UNROAP — United Nations Regional Office for Asia and the Pacific
SPDC — Special Political and Decolonization Committee
ORD — Office Of Research And Development (USEPA)
NSTP — National Society of Tax Professionals
HRC — Historic Rehabilitation Credit
VACO — VA Central Office
IPECILO — International Programme for the Elimination of Child Labour
SAC — Strategic Acquisition Center
UNLTC — United Nations Military Liaison Team in Cambodia
SBA — Small Business Administrations
UR — Unemployment Rate
CIM — Corporate Information Model
B/A — Basic Agreement
OCLA — Office of Congressional Legislative Affairs
UNHSP — United Nations Human Settlements Programme
OHR — Office of Human Resources
CCAQ(PER) — Consultative Committee on Administrative Questions (Personnel and General Administrative Questions)
KFC — Kentucy Fried Chicken
SJ — Sales Journal
PH.D. — Doctorate Of Philosophy

UMTS — Universal Mobile Telephone System
GWG — Gender Working Group
DSI — Discretionary Salary Increase
T&E — Travel & Entertainment
DSRSG — Deputy Special Representative of the Secretary-General
OSSG — Office of the Spokesman for the Secretary-General
CCISUA — Coordinating Committee of International Staff Unions and Associations of the United Nations System
SIA — Securities Industry Act of 1983
D&F — Determination & Finding
TEUC — Temporary Extended Unemployment Compensation
NTU — National Taxpayer's Union
LM — Last Month
IDB — Industrial Development Bond
DCM — Department Cost Manager
FCA — Division for Finances, Control and Administration
FROI — First Report of Injury
VETS — Veteran's Employment & Training Service
SBL — Small Business Liaisons
MRAM — Magnetic Random Access Memory
CCPA — Consumer Credit Protection Act
UNFICYP — United Nations Force in Cyprus
SIU — Sets In Use
NPA — National Plans of Action
PCA — Permanent Court of Arbitration
UNOL — United Nations Peace-Building Support Office in Liberia
IAS — United Nations University Institute of Advanced Studies
DR — Direct Response
LCL — Less than Carload Lot
QPAM — Qualified Professional Asset Manager
SBLC — Small Business Legislative Council
UNCA — United Nations Correspondents Association
SSM — Software Service Manager
UNCPCJP — United Nations Crime Prevention and Criminal Justice Programme
PDM — Program Decision Maker
CFTA — Currency and Foreign Transaction Act
GNC — General Nutrition Centers
BSAD — Baseline System Architecture Document
SARD — Sustainable Agriculture and Rural Development
BMVC — Baghdad Monitoring Verification Centre
UNIKOM — United Nations Iraq-Kuwait Observation Mission
TEA — Transportation Efficiency Act
GTC — Good Till Canceled Order
HR — Human Rights's
LAC — Division for Latin America and the Caribbean
SR — Systems Redesign
CSI — Commissioners Standard Industrial Mortality Table
JEEP — Joint Ethics Enforcement Plan
TOE — Time is of the essence
IPDC — International Programme for the Development of Communications
UNGASS — Special Session of the General Assembly

TP — Technical Proposal
EOSG — Executive Office of the Secretary-General
ECS — Event Capture System
COS — Cost of sales
CIOFO — Chief Information Office Field Office
FERS — Federal Employees Retirement System
EAT — Exchange Accommodation Titleholder
ETR — United Nations Education and Training Programme
QANTAS — Queensland and Northern Territory Ariel Service
HRI — Human Rights Instruments
WWC — World Water Conferences
TIC — Tenant In Common
UNSF — United Nations Security Force in West New Guinea
UNDOC — United Nations Documents Index
MAG — Mine Advisory Group
SOS — Switched On Schoolhouse
HST — Health Statistics
WFUNA — World Federation of UN Associations
PAHO — Pan American Health Office/Regional Office for the Americas of the WHO
UN-NADAF — United Nations New Agenda for the Development of Africa in the 1990s
IACWGE — Inter-Agency Committee on Women and Gender Equity
SRDC — Subregional Development Centre
SDCF — Sellers Discretionary Cash Flow
B&N — Barnes and Noble
NAAEC — North American Agreement on Environmental Cooperation
TOM — Traded Options Market
JIU — Joint Inspection Union