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Business & Finance >> Business Word Abbreviations

Look through 2927 acronyms and abbreviations related to Business Word:

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

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

A&MM — Acquisition and Materiél Management
OA&L — Office of Acquisition and Logistics
GATB — General Aptitude Test Battery
NAFEP — National Association of Financial and Estate Planning
LIFO — Last In, First Out
BGT — Budget
W/O — Without
E&IT — Electronic and Information Technology
AUP — Acceptable Use Policy
VAGFE — VA-owned Government Furnished Equipment
NAFTA-TAA — NAFTA Transitional Adjustment Assistance
WAASE — Division for Western Asia, Arab States and Europe
FLRA — Federal Labor Relations Authority's
RFQ — Request For Quotation
AAA — American Automobile Association
QCEW — Quarterly Census of Employment and Wages
ATM — Automatic Teller Machine
FF&E — Furniture, Fixtures & Equipment
O/S — Outstanding
QC — Quality Control
AAA-CPA — American Association of Attorney-Certified Public Accountants
RNFA — Return On Net Financial Assets
IP — Internet Protocol
RICO — Racketeer Influenced and Corrupt Organizations Act of 1970
FEMA — Federal Emergency Management Agency
IACSD — Inter-Agency Committee on Sustainable Development
COBRA — Consolidated Omnibus Budget Reconciliation Act of 1985
NFI — Net Financial Income
EDWOSB — Economically disadvantaged woman-owned business
CBD — Cash Before Delivery
LMRA — Labor Management Relations Act
EDI — Electronic Data Interchange
EAP — Employee Assistance Program
COB — close of business (End of duty day)
YUPPIE — Young Urban Professional
GSM — Global System for Mobile Communications
PPE — Personal Protective Equipment
KPI — Key Performance Indicator
GDP — Gross Domestic Product
CCB — Change Control Board
FIFO — First In, First Out
LLC — Limited Liability Company
AA — Affirmative Action
IRR — Internal Rate of Return
SALY — Same As Last Year
ACH — Automated Clearing House
CD — Certificate of Deposit
BFP — Bona Fide Purchaser
ADB — Asian Development Bank
UNESCO — United Nations Educational, Scientific and Cultural Organization

BMW — Bayerische Motoren Werke (Bavarian Motor Works)
DMAIC — Define, Measure, Analyze, Improve, Control
FTE — Full Time Equivalent
CY — Calendar Year
ISP — Internet Service Provider
TQM — Total Quality Management
BSA — Bank Secrecy Act
WACC — Weighted Average Cost Of Capital (accounting)
PDA — Personal Digital Assistant
FINRA — Financial Industry Regulatory Authority
ATTN — Attention
ATF — As Trustee for
WML — Wireless Markup Language
CEO — Chief Executive Officer
EEO — Equal Employment Opportunity
GM — Gross Margin
CPI — Consumer Price Index
SAAS — Software as a Service
LTCM — Long-Term Capital Management
AMD — Advanced Micro Devices, Inc. (producer of computer chips)
RFP — Request For Proposal
CDO — Collateralized Debt Obligation
LFPR — labor force participation rate
MSDS — Material Safety Data Sheets
RPI — Retail Price Index
CBC — Complete Blood Count
PDF — Portable Document Format (created by Adobe Acrobat)
SMTP — Simple Mail Transfer Protocol
USDA — United States Department of Agriculture
URL — Universal Resource Locator
CV — Curriculum Vitae
R&D — Research & Development
MOU — Memorandum of Understanding (an MOU between Food & Drug Administratin and a regulatory agency in another country allows mutual recognition of inspections)
Q — Quarter
IPO — Initial Public Offering
GIS — Geographic Information System
CBO — Congressional Budget Office
FR — Federal Register
GATT — General Agreement on Tariffs and Trade (government)
ROIC — Return on Invested Capital
THX — Thanks
YTM — Yield to Maturity
ASME — American Society of Mechanical Engineers
AD — Advertisement
TSR — Total Shareholder Return
ABC — activity based costing
KSOP — 401(k) Employee Stock Option Plan
OI — Operating Income
BLS — Bureau of Labor Statistics of the United States Department of Labor
NYSE — New York Stock Exchange

LTV — Loan To Value
ADR — Alternative Dispute Resolution
IOC — Intergovernmental Oceanographic Commission
AUM — Assets Under Management
DOT — Department of Transport
SPV — Special Purpose Vehicle (sometimes Single Purpose Vehicle)
ETA — Department of Labor's Employment and Training Administration
SRAM — Static Random Access Memory (ess-ram)
ICE — Intrusion Countermeasures Electronics
ADR — American Depositary Receipt
UCC — Uniform Commercial Code
ADP — Actual Deferral Percentage
DVP — Delivery Versus Payment
ARO — After Receipt of Order
EST — Eastern Standard Time
MTBF — Mean Time Before Failure
CAPEX — Capital Expenditure
GNP — gross national product (economics)
LLP — Limited Liability Partnership
OECD — Organization for Economic Cooperation and Development
LY — Last Year
ASCII — American National Standard Code for Information Interchange
JGTRRA — Jobs and Growth Tax Relief Reconciliation Act
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.
ARC — American Red Cross
GP — Gross Profit
IRA — Individual Retirement Account
ARB — Architecture Review Board
ADP — Automated Data Processing
MIGA — Multilateral Investment Guarantee Agency
FTA — Free-Trade Agreement
EPA — Environmental Protection Agency (US)
SKU — Stock Keeping Unit
GL — General Ledger
ADR — American Depository Receipt
GPS — Global Positioning System (ex-NAVSTAR)
OTC — Over The Counter (medications not requiring a prescription)
SAN — Storage Area Network
SGLI — Servicemember Group Life Insurance
REO — Real Estate Owned
ADL — activity of daily living
BPML — Business Process Modeling Language
AP — Accounts Payable
BOL — Bill Of Lading
SLA — Service Level Agreement
IBM — International Business Machines Corporation
ICAO — International Civil Aviation Organization
JV — Joint Venture
ERP — Emergency Response Plan
ACWP — actual cost for work performed

BEA — Bureau of Economic Analysis
GA — General Assembly
QSC — Quality, Service, Cleanliness (Ray Kroc's motto for McDonald's)
GOI — Gross Operating Income
EU — European Union (1994; formerly referred to as the EEC or EC)
HR — Headquarters Report
DBA — Doing Business As
NAV — Net Asset Value
ICFR — Internal Control Over Financial Reporting
LMI — Labor Market Information
ARM — Adjustable Rate Mortgage
CIO — Chief Information Officer
FAA — Federal Aviation Administration
FDCPA — Fair Debt Collection Practices Act
CAE — Computer-Aided Engineering
RFC — Request For Comment
S&U — Sales and use
RAM — random-access memory
APT — Arbitrage Pricing Theory
HMO — Health Maintenance Organization
CBA — Cost Benefit Analysis
EO — Executive Order
FOREX — Foreign Exchange
UIM — Underinsured Motorist
AIG — American International Group, Inc
EOD — End Of Day
CRS — Congressional Research Service
CMT — Constant Maturity Treasury
CIP — Carriage and Insurance Paid to
DFA — Department of Finance and Administration
BIW — Biweekly
ITIN — Individual Taxpayer Identification Number
AWOL — Absent Without Leave
RAM — Reverse Annuity Mortgage
OT — Overtime
NOPAT — Net Operating Profit After Tax
PC — Politically Correct
ROE — Return On Equity
OPT — Other People's Time
NPV — Net Present Value {economics}
FINCEN — Financial Crimes Enforcement Network
DCP — Defined Contribution Plan
EEOC — Equal Employment Opportunity Commission
ABM — Activity Based Management
G2C — Government to Consumer
BCA — Business Continuity Plan
ANCOM — Andean Common Market
ADB — African Development Bank
NSC — National Security Council
DIH — Days Inventory Held

DPKO — Department of Peacekeeping Operations
POA — Power Of Attorney
PV — Present Value
ROM — Range Of Motion
PAQ — Position Analysis Questionnaire
QTY — Quantity
B/L — Bill of Lading
IETF — Internet Engineering Task Force
SD — Standard Deviation
WWW — World Weather Watch
BARS — Behaviourally-Anchored Rating Scale
SDR — Special Drawing Rights
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.
UNDMT — United Nations Disaster Management Team
CPM — Critical Path Method
CIM — Computer Integrated Manufacturing
GRUT — Grantor Retained Unitrust
DJIA — Dow Jones Industrial Average
DES — Data Encryption Standard
ODA — Official Development Assistance
FAS — Free Alongside Ship
FAR — Federal Acquisition Regulation
RMP — Risk Management Plan
UPS — United Parcel Service, Inc.
FOB — Free On Board
CMA — Comparative Market Analysis
PO — Purchase Order
FASAB — Federal Accounting Standards Advisory Board
NATO — North Atlantic Treaty Organisation
PE — Private Equity
AER — Annual Equivalent Rate
IBAN — International Bank Account Number
LOB — Line Of Business
EURIBOR — Euro Interbank Offered Rates
RSF — rentable square feet
BOV — Broker’s Opinion of Value
COD — Cash On Delivery
ADA — Americans With Disabilities Act Of 1990 (Text Of ADA Legislation)
AFL-CIO — American Federation of Labor and Congress of Industrial Organizations
SEM — Search Engine Marketing
CV — Cost Variance
ETF — Exchange Traded Fund
RIF — Reduction In Force
IMF — International Monetary Fund
SLIP — Serial Line Interface Protocol
FAQ — Frequently Asked Questions (sometimes Pronounced Fak)
IFRS — International Financial Reporting Standard
CAO — Chief Accounting Officer
PPO — Preferred provider organization
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

CCAQ — Consultative Committee on Administrative Questions
ETA — Employment and Training Administration
POE — Point of Entry
P&L — Profit and Loss statement
DTA — Deferred tax assets
ACCT — Account
ALM — Asset Liability Management
DOD — United States Department of Defense
IPS — Investment Policy Statement
CTR — Currency Transaction Report
BPA — Blanket Purchase Agreement
PD — Position Description
GMP — Good Manufacturing Practice
QOS — Quality of Service
FPL — Federal Poverty Level
LOA — Leave Of Absence
AMA — American Management Association
C&F — Cost and Freight
SQA — Software Quality Assurance
G2G — Government to Government
MA — Moving Average
MIS — Management Information System (OSHA)
PGP — Pretty Good Privacy (encryption)
MBA — Mortgage Bankers Association of America
TBD — To Be Determined
AM — Asset Management
MSN — Microsoft Network
COO — Chief Operation Officer
NGO — Non-governmental organization. (Red Cross/Crescent, Doctors without Borders, etc.)
CTS — Carpal Tunnel Syndrome
OASDI — Old Age Survivors Disability Insurance
AON — Angolan New Kwanza
IM — Information Management
TER — Total Expense Ratio
GMWB — Guaranteed Minimum Withdrawal Benefit
CPC — Cost Per Click-through
CP — Commercial Paper
CR — Continuing Resolution
CFROI — Cash Flow Return on Investment
LWDI — Lost Work Day Injury Rate
MSA — Metropolitan Statistical Area
CPO — Cost Per Order
STD — Standard
MSA — Medical Savings Account
BOP — Bureau Of Prisons
CTO — Chief Technology Officer
IVR — Interactive Voice Response (telephone technology)
FASAB — Financial Accounting Standards Advisory Board
RFI — Request For Information. Sales department shorthand. Special priority when use in conjunction with RFN (see below).
FMS — Financial Management Service

ITLOS — International Tribunal for the Law of the Sea
PNG — Portable Network Graphics (graphic file standard/extension)
PM — Program Manager
EFA — Education for All
EMA — Exponential Moving Average
LIBOR — London interbank offering rate
QA — Center for Quality Assurance in International Education
LBO — Leveraged Buyout
DNS — Domain Name System
CAFTA — Central American Free Trade Agreement
FY — Fiscal Year
FICCO — Fair Issac Credit Organization
DMA — Designated Market Area
BD — Business Development
CRAT — Charitable Remainder Annuity Trust
MIRR — Modified Internal Rate of Return
PFA — Prevention of Food Adulteration Act
ETR — Effective Tax Rate
CBT — Computer Based Training
ASP — Active Server Page
EXCOM — Executive Committee
ABO — Accumulated Benefit Obligation
CRO — Chief Risk Officer
VPN — Virtual Private Network (ATM)
CEN — Committee European de Normalisation
AMEX — American Stock Exchange
HIBOR — Hong Kong interbank offered rate
LOI — Letter Of Intent
FIT — Financial institutions tax
DRAM — Dynamic Random Access Memory (dee-ram) (computing)
JIT — Just in time
MTD — Month-to-date
POD — Proof Of Delivery
LOC — Line Of Credit
PDM — Product Data Management
ITA — International Trade Administration
IRC — Internal Revenue Code of 1986
AE — Account Executive
EV — Enterprise Value
WC — Worker's Compensation
AARP — American Association of Retired Persons
BI — Business Intelligence
MEC — Modified Endowment Contract
EP — Earned Premium
GSF — Gross Square Feet
GRM — Gross Rent Multiplier
CUSFTA — Canada-US Free Trade Agreement
ACRS — Accelerated Cost Recovery System (finance)
CSRS — Civil Service Retirement System
IFB — Invitation For Bid

3M — Minnesota Mining And Manufacturing Company
GSA — U.S. General Services Administration
UNICEF — United Nations International Children's Emergency Fund
ABA — American Bankers Association
O&M — Operation and Maintenance
IAEA — International Atomic Energy Agency
BOE — Bank of England
ISDN — Integrated Services Digital Network
UNRWA — United Nations Relief and Works Agency for Palestine Refugees in the Near East
ROI — Return on Investment
DOJ — Department of Justice (US)
SG&A — Selling, general, and administrative expenses
CTO — Compensatory Time Off
ACO — Administrative Contracting Officer
HAZMAT — Hazardous Material
CDHP — consumer-driven health plan
NT — Near-Term
PIP — Performance Improvement Plan
CRM — Customer Relationship Management
HCFA — Health Care Financing Administration
POP — Point Of Presence (Internet)
3PL — Third Party Logistics
SC — Security Council
APPROX — Approximate
ERV — Estimated Rental Value
GPP — Gross Profit Percentage
UNU — United Nations University
USP — Unique Selling Point
GFE — Good Faith Estimate
AGI — Adjusted Gross Income
CFR — Code of Federal Regulations
XTML — eXtensible Telephony Markup Language
MDB — Multilateral Development Bank
CPM — Continuous Passive Motion
QMAC — Qualified Matching Contributions
SAM — Shared-Appreciation Mortgage
TCO — Total Cost of Ownership
PDA — Personal Data Assistant
SAS — Statement on Auditing Standards
ALDEP — Automated Layout Design Programs
VISN — Veterans Integrated Service Network
NOA — Net Operating Assets
CFA — Consumer Federation of America
NLRB — National Labor Relations Board
ARNP — Advanced Registered Nurse Practitioner
ABS — Automated Bond System
CPP — Capital Purchase Program
RR — retention rate
UNEP — United Nations Environment Program
ICC — International Criminal Court

FSA — Flexible Spending Account
DPP — Direct Participation Program
BNA — Bureau of National Affairs, Inc.
FDA — Food Drug Administration
LMRDA — Labor-Management Reporting and Disclosure Act of 1959
IRCA — Immigration Reform and Control Act
NOC — Net Operating Capital
RULPA — Revised Uniform Limited Partnership Act
IRS — U.S. Internal Revenue Service
GAAP — Generally Accepted Accounting Procedures
BS — Balance Sheet
CISO — Chief Information Security Officer
AGR — Adjusted Gross Revenue
DI — Disability Insurance
PY — Program Year
ZIP — Zone Improvement Plan
CPM — Corporate Performance Management
A&W — Allen & Wright (Roy Allen and Frank Wright combined their initials to name A&W Root Beer in 1922)
HSA — Health Savings Account
RAID — Redundant Array of Inexpensive Disks
FOIA — Freedom of Information Act
IDP — Internally Displaced Person
DRP — distribution requirements planning
DCA — Dollar Cost Averaging
DDU — destination delivery unit
PERT — Program Evaluation and Review Technique
TL — Truckload
AOV — Average Order Value
GRP — Gross Rating Point
COTR — Contracting Officer Technical Representative
AJE — Adjusting Journal Entry
PC — Personal computer (host)
DOE — United States Department of Energy (government)
EBT — Earnings Before Tax
MTF — Medical Treatment Facility
OPR — Other People's Resources
CDC — Center for Disease Control and Prevention
JD — Job Description
POP — Point Of Purchase
RFQ — Request For Quote
4P — Price, Product, Place and Promotion
HVAC — Heating, Ventilation, and Air Conditioning
AAR — Average Annual Return
IRIN — Integrated Regional Information Networks
NDA — Non-Disclosure Agreement
RTF — Rich Text Format
ROR — Return on Revenue
LWP — Leave With Pay
CME — Chicago Mercantile Exchange
PC — Percent

CPM — Cost Per Thousand
SM — Service Mark
IDR — Issuer Default Rating
GRAT — Grantor Retained Annuity Trust
CIMA — Chartered Institute of Management Accountants
EPA — Equal Pay Act
OTB — Open To Buy
PFS — Personal Financial Specialist
TDI — Temporary Disability Insurance
MLS — Multiple Listing Service
PAT — Profit After Tax
AMID — Allowable Miscellaneous Itemized Deductions
G2B — Government to Business
FUBU — For Us By Us
ITC — Information Technology Center
OJT — On the Job Training
ITU — International Telecommunication Union
REPO — Repurchase Agreement
CAGR — Compounded Annual Growth Rate
WTO — World Tourism Organization
GRIT — Grantor Retained Income Trust
POD — Payable on Death
IMAP — Internet Message Access Protocol
BDF — Beneficiary Designation Form
TM — Trademark
UR — Utilization Review
ATO — Asset Turnover
OTCEI — Over the Counter Exchange of India (stock exchange)
MI — Mortgage Insurance
NI — Net Income
SIC — Standard Industrial Classification (Code)
PD — Paid
NCA — National Cemetery Administration
PDA — Pregnancy Discrimination Act
IDIT — Intentionally defective irrevocable trust
AMA — American Medical Association
PRI — Primary Rate Interface (ISDN)
AQL — Acceptable Quality Level
TRO — Temporary Restraining Order
CASB — Cost Accounting Standards Board
ISO/MSP — Independent sales organization/Member service provider
RO — Regional Office
DC — Defined Contribution
ERISA — Employee Retirement Income Security Act
EOE — Equal Opportunity Employer
RONA — Return On Net Assets
NIBCL — Non-interest bearing current liabilities
LLLP — Limited Liability Limited Partnership
SAR — Stock Appreciation Right
DFAS — Defense Financial Accounting Service

DCF — discounted cash flow rate
BU — Bargaining Unit
WIP — Work in Process
ACV — Actual Cash Value
ALEX — AUTOMATED LABOR EXCHANGE
PFD — Preferred
REIT — Real Estate Investment Trust
COOP — Continuity of Operations
CFO — Communication Filing Officer
CPM — Certified Property Manager
GIF — Guaranteed Investment Fund
IPCS — International Programme on Chemical Safety
PMI — Private Mortgage Insurance
ASP — Application Service Provider
ROG — Receipt Of Goods
NAM — National Association of Manufacturers
PNP — Plug aNd Play
CHR — Commission on Human Rights
COS — Chief of Staff
DCR — Debt Coverage Ratio
BSM — Black-Scholes-Merton
CMA — Certified Management Accountant
LOS — Length of Stay
CMS — Content Management System
PY — Prior Year
SOHO — Small Office Home Office
DKNY — Donna Karan New York
IMO — International Maritime Organization
HR — Human Resource
UNA — United Nations Association
LC — Letter of Credit
OMB — Office of Management and Budget (U.S.)
TAM — Television Audience Measurement
NNN — Triple Net (Lease)
BCR — Benefit/Cost Ratio
CDL — Commercial Driver's License
CAI — Computer Assisted Instruction
CAPM — Capital Asset Pricing Model
AD&D — Accidental Death and Dismemberment
CMM — Capability Maturity Model
CSHO — Compliance Safety and Health Officer
BOO — Build Own Operate
OID — Original Issue Discount
FTD — Federal Tax Deposit
HQ — Headquarters (HDQ Preferred)
FNA — Financial needs analysis
DBA — Data Base Administrator
MLM — Multi-Level Marketing
IC — Internal Control
JOA — joint operating agreement

WC — Working Capital
EPZ — Export Processing Zone
EA — Enrolled Agent
AOQL — Average Outgoing Quality Level
ASB — Accounting Standards Board
STR — Software Test Report
DPP — Deferred Payment Plan
FTE — Full-Time Employee
AICPA — L'American Institute of Certified Public Accountants
SAR — Suspicious Activity Report(ing)
EE — Employee
MLR — Medical Loss Ratio
MAD — Mean Absolute Deviation
NAB — Non-accrual basis
IDA — International Development Association
RAP — Regulatory Accounting Principles
NFE — Net Financial Expense
PLR — Private Letter Ruling
BCC — Blind Copied
TDA — Tax Deferred Annuity
FRB — Federal Reserve Board
QMCSO — Qualified Medical Child Support Order
EOM — End Of Month
SBLC — Standby Letter of Credit
OJT — On-The-Job-Training
HDI — Human Development Index (UNDP yardstick of human welfare)
HR — HUMAN RESOURCES
SMT — Senior Management Team
AMTI — Alternative Minimum Taxable Income
ATCF — After Tax Cash Flow
SBC — Southwestern Bell Corporation
TIPS — Treasury Inflation-Protected Securities
COGS — Cost of Goods Sold
DUSH — Deputy Under Secretary for Health
IASC — Inter-Agency Standing Committee
TAN — Tax Anticipation Note
SBO — Small Business Owner
MACRS — Modified Accelerated Cost Recovery System (IRS)
CVP — Cost-Volume-Profit
ATB — Across the Board
AO — Authorizing Official
NFIP — National Flood Insurance Program
ECA — Economic Commission for Africa
PPI — Producer Price Index
AMF — American Machine & Foundry (bowling lane operators and former owners of Harley Davidson motorcycles)
JD — Juris Doctorate
DSO — Day Sales Outstanding
GPO — Government Printing Office
SBU — Strategic Business Units
FCRA — Fair Credit Reporting Act

TCE — Tangible Common Equity
GL — General Liability
NTIS — National Technical Information Service Technology Administration
RESPA — Real Estate Settlement Procedures Act
OPM — Office of Personnel Management
CIT — Corporate Income Tax
FTC — Federal Trade Commission (U.S.)
TDC — Total Direct Compensation
CPA — Certified Public Accountant
SRM — Supplier Relationship Management
UN — United Narions
OSHA — Occupational Safety and Health Act (1970)
ADI — After Date of Invoice
AMT — Amount for Married Taxpayers
GA — General Agent
COLA — Cost of Living Adjustment (or Allowance)
RTW — Return To Work
TAM — Technical Advice Memorandum
EFT — Electronic Funds Transfer
PHP — PHP Hypertext Processor
WIPO — World Intellectual Property Organization
CA — Confidentiality Agreement
FASAC — Financial Accounting Standards Advisory Council
DPA — Department of Political Affairs
AT&T — American Telephone and Telegraph (U.S. company, also known as "Ma Bell")
BOS — Behavior Observation Scale
ICJ — International Court of Justice
NRI — Net Revenue Interest
ART — Annual Renewable Term (life insurance)
ASU — Accounting Standards Update
PM — Project Manager
FSS — Federal Supply Schedule
EOB — Explanation Of Benefits
PHC — Personal Holding Company
CRM — Client Relationship Management
SCM — Supply Chain Management
ESOP — Employee Stock Ownership Plan
MPS — Marginal Propensity to Save
DOH — Days inventory On Hand
IATA — International Air Transport Association
UGMA — Uniform Gifts to Minors Act (largely replaced by UTMA)
HELOC — Home Equity Line of Credit
ESI — Electronically Stored Information
CE&O — Customer education and outreach
CSF — Critical Success Factor
EPI — Expanded Programme on Immunization
VC — Venture Capital
CGQ — Corporate Governance Quotient
BRIC — Brazil, Russia, India and China
DOL — United States Department of Labor

GOV — Government Owned Vehicle
FCC — Federal Communications Commission (US)
LBB — Legislative Budget Board
AFDA — Allowance for Doubtful Accounts
BAT — Business Activity Tax
TCN — Third Country National
AED — United Arab Emirates Dirham
CUPA — College and University Personnel Association
HDML — Handheld Device Markup Language
ROOA — Return on Operating Assets
SGA — Substantial Gainful Activity
REC — Renewable Energy Certificate
BAFO — Best and Final Offer
AACU — American Association of Colleges and Universities
SNA — System of National Accounts
CIX — Commercial Internet Exchange
EMS — Eastern Mountain Sports
ERS — Economic Research Service
PRC — Peer Review Committee
NOW — Negotiable Order of Withdrawal
AEI — American Enterprise Institute
CPR — Cardio-Pulmonary Resuscitation
PCI — Per Capita Income
AL — Assisted Living
DTI — Department of Trade and Industry (UK)
ERP — Estimated Retail Price
NPW — Net Present Worth
TIL — Truth in Lending
FFY — Federal Fiscal Year
SOP — Statement Of Position
POC — Proof of Claim
TTM — Trailing Twelve Months
XHTML — Extensible Hypertext Markup Language
CAE — Certified Association Executive
CPIC — Capital Planning and Investment Control
SOS — Sound On Sound
CPI — Cost Performance Index
LEPO — Low Exercise Price Option
UI — User Interface
TIP — Transportation Improvement Program
LCA — Labor Condition Application
OA — Operating Assets
ATR — Americans for Tax Reform
BRI — Basic Rate Interface
IFRIC — International Financial Reporting Interpretations Committee
SOL — Statute of Limitations
APY — Annual Percentage Yield
GIF — Graphic Interchange Format
GPI — Gross potential income
IANA — Internet Assigned Numbers Authority

SB — Senate Bill
SEPA — Single Euro Payments Area
ADEA — Age Discrimination in Employment Act's
CFA — Chartered Financial Analyst
OASDHI — Old Age, Survivors, Disability and Health Insurance Act
PILOT — Payment In Lieu Of Taxes
MLR — Monthly Labor Review
FRS — Federal Reserve System
IBNR — Incurred But Not Reported
GAO — Government Accountability Office [formerly the General Accounting Office]
ILIT — Irrevocable Life Insurance Trust
EVA — Economic Value Added
RP — Repurchase Agreement
LOB — Line-Of-Balance
IM/IT — Information Management/Information Technology
P2P — Peer to Peer (as in music file sharing systems like KaZaA)
ATP — Accredited Tax Preparer
7S — Strategy, Structure, Systems, Style, Staff, Skills, Shared values
IP — Intellectual Property
EEPROM — Electric Erasable Programmable Read Only Memory
CFM — Construction Facility Management
UTD — Under Trust Dated
MMDA — Money Market Deposit Account
BOMA — Building Owners and Managers Association
NFO — Net Financial Obligations
TVM — Time Value of Money
IIA — Institute of Internal Auditors
EGM — Extraordinary General Meeting
VA — Veterans Administration
UNCIP — United Nations Commission for India and Pakistan
IRA — Individual Retirement Arrangement
FRV — Fair Rental Value
B2B — Business to Businesse
CRT — Charitable Remainder Trust
UNAMIC — United Nations Advance Mission In Cambodia
AAA — authentication, authorization, and accounting
IBR — Income-based repayment
MSRP — Manufacturer's Suggested Retail Price
BHAG — Big Hairy Audacious Goal
ROGFA — Return on Gross Fixed Assets
IBRD — International Bank For Reconstruction And Development (part Of The World Bank)
PM — Performance Management
JPEG — Joint Photographic Experts Group (24-bit image storage format)
DRP — Disaster Recovery Plan
IPTF — International Police Task Force
POP — Premium Only Plan
COD — Cancellation of Debt
EIN — Employer Identification Number
A/P — Accounts Payable
ELP — Electing large partnership

HFA — Housing Finance Agency
IME — Independent Medical Examination
WMO — World Meteorological Organization (ICSU)
ILAB — Bureau of International Labor Affairs
FAK — Freight all kinds
CCP — Certified Compensation Professional
OTS — Office of Thrift Supervision
BLM — Bureau of Land Management of United States Department of the Interior
CESA — Coverdell education savings account
SC — Securities Commission
FAO — Food and Agriculture Organization of the United Nations
RISC — Reduced Instruction Set Computer
CGA — Charitable Gift Annuity
DOL — Degree of Operating Leverage
APV — Adjusted Present Value
ABA — Accredited Business Accountant
CNF — Cost, not freight
ACC — Administrative Committee on Coordination
A&H — Accident and health insurance
LAR — Legislative Appropriations Request
UL — Universal Life
HUD — Department of Housing and Urban Development (U.S.)
REI — Recreational Equipment, Inc.
MOM — Message Oriented Middleware
CASE — computer-automated software engineering
NIH — NATIONAL INSTITUTE OF HEALTH
BID — Business Improvement District
CSO — Commissioners Standard Ordinary
SUTA — State Unemployment Tax Act
DOC — Doctor
ACC — Accounting Classification Code
OASDI — Old Age and Survivors Disability Insurance
CFIUS — Committee on Foreign Investment in United States
UPU — Universal Postal Union
BIS — Bank of International Settlements
EXP — Export
WHA — World Health Assembly
ESCAP — Economic and Social Commission for Asia and the Pacific (UN)
MAS — Multiple-Award Schedule
FCFE — Free Cash Flow to Equity
UNMISET — United Nations Mission of Support in East Timor
DUNS — Data Universal Numbering System
FMLA — Family and Medical Leave Act
ROW — Right-Of-Way
LPA — Licensed Public Accountant
CICA — Competition in Contracting Act (1984)
MOH — Music On Hold
CORBA — Common Object Request Broker Architecture
DPI — Department of Public Information
FHLB — Federal Home Loan Bank

CC — Civil Code
TIN — Taxpayer Identification Number
MDGD — Management Development and Governance Division
DM — Direct Mail
EOU — Export Oriented Unit
A/R — Accounts Receivable
ADEA — Age Discrimination and Employment Act
FASB — Financial Accounting Standards Board
CAFR — Comprehensive Annual Financial Report
CIO — Chief Investment Officer
DCAP — Dependent Care Assistance Program
ST — Short-Term
ASAE — American Society of Association Executives
CFAT — Cash Flow After Taxes
ETN — Exchange Traded Note
SCORE — Service Corps Of Retired Executives
GED — General Equivalency Diploma
ATOI — After Tax Operating Income
GSI — general salary increase
EPS — Earnings per share
WRKSHP — Workshop
HDR — Humanitarian Daily Ration
DTL — Deferred Tax Liability
BOT — Balance of Trade
KSAO — Knowledge, Skills, Abilities and Other
FICA — Federal Insurance Contribution Act
NCOA — National Change Of Address
NAVPS — Net Asset Value Per Share
CUM PFD — Cumulative preferred
SMA — Simple Moving Average
SBLI — Savings Bank Life Insurance
NQDC — Nonqualified deferred compensation
ABP — Average Benefit Percentage
DW — Dislocated Worker
CGS — Cost of Goods Sold
ACASTD — Advisory Committee on the Application of Science and Technology to Development
NFA — Net Financial Assets
AGC — Associated General Contractors of America
POQ — Periodic Order Quantity
CODASYL — Committee on Data Systems Languages
SDB — Small Disadvantaged Business
ITF — In Trust For
EISA — Extended Industry Standard Architecture
LTIP — Long-Term Incentive Plan
REV. RUL. — Revenue Ruling
NCUSIF — National Credit Union Share Insurance Fund
B&O — Business and Occupation
CMO — Chief Marketing Officer
AJB — America’s Job Bank
RBM — Roll Back Malaria

BOOT — Build Own Operate Transfer
MRO — Maintenance, repair, and overhaul
MVIC — Market Value of Invested Capital
SOA — Service-Oriented Architecture
SEC — Securities and Exchange Commission (US)
ADJ — Adjust
DOI — Date of Injury
CK — Calvin Klein
CPG — Consumer Packaged Goods
FSI — Free Standing Insert
SE — Self Employed
FFIEC — Federal Financial Institutions Examination Council
EOI — Evidence of Insurability
FSLMRA — Federal Service Labor-Management Relations Act
ROTA — Return On Total Assets
MLP — Minimum lease payments
DAGMAR — Defining Advertising Goals for Measured Advertising Results
AIDA — Attention, Interest, Desire, Action
ALJ — Administrative Law Judge
ROS — Return on Sales
REV. PROC. — Revenue Procedure
ISA — International Seabed Authority
EOY — End-Of-Year
HR&A — Human Resources and Administration
CFE — Certified Financial Examiner
ROCE — Return On Capital Employed
EIS — Environmental Impact Statement (US)
VSNL — Videsh Sanchar Nigam Limited
RIA — Registered Investment Advisor
DFL — Degree of Financial Leverage
PSC — Personal Service Corporation
CROGI — Cash Return on Gross Investment
COST — Council on State Taxation
LF — Labor Force
ECP — Emergency Conservation Program
MUPLA — Model Uniform Products Liability Act
DBMS — Data Base Management System
ADC — Acquisition, Development, and Construction
QTD — Quarter-to-Date
SEA — Securities Exchange Act
RTO — Reverse Take-Over
BDC — Business Development Center
PSA — Public Service Announcement (radio/TV Term)
MRD — Minimum Required Distribution
MIME — Multipurpose Internet Mail Extension
MBDA — Minority Business Development Agency
URO — Utilization Review Organization
OE — Operating Expense
MBTI — Myers-Briggs Type Indicator
SERP — Supplemental Executive Retirement Plan

NOI — Net Operating Income
SS — Social Security
CBIT — Comprehensive Business Income Tax
MTC — Multistate Tax Commission
ESA — Coverdell education savings account
TCBY — The Country's Best Yogurt
AX — Armani Exchange
PTO — Paid Time Off
IRDA — Insurance Regulatory Development Authority
SNE — Salaried Non-Exempt
PIK — Payment in Kind
PIC — Prior Informed Consent
ADP — Average Deferral Percent
MPEG — Moving Picture Experts Group (International Standards Organisation/International Electrotechnical Commission)
PDQ — Position Description Questionnaire
MLP — Master Limited Partnership
ECM — Excess cash margin
POS — Point of Service Plan
CERD — Committee on the Elimination of Racial Discrimination
CUM — Cumulative
VDT — Video Display Terminal
PBO — Projected Benefit Obligation
EOI — Expression Of Interest
ITARS — IT Acquisition Request System
GE — General Electric American Communications Inc.
PVGO — Present Value of Growth Opportunities
C&B — Compensation and Benefits
OAS — Option Adjusted Spread
NL — No-Load
UNHCR — United Nations High Commissioner for Refugees Program
IAP — Initial advance payment
LSE — London Stock Exchange
CHRO — Chief Human Resource Officer
ATA — Accredited Tax Advisor
NSX — National Stock Exchange
M/M — Month-over-month
WTO — World Trade Organisation
SSA — Social Security Administration
ECP — Engineering Change Proposals
D/O — Delivery Order
FS — Financial Statement
SFH — Single Family Home
AAAA — American Association of Advertising Agencies
SEO — Search Engine Optimizer
ECB — European Central Bank
ROA — Return on assets
NSA — National Society of Accountants
LTL — Less Than Truckload Lot
GST — Goods and Services Taxation
PTE — Pass-Through Entity

GPM — Graduated Payment Mortgage
CTV — Capital Timber Value
NLRA — National Labor Relations Act
CBOT — Chicago Board of Trade
PW — present worth
FP — Fixed Price
DOLETA — Department of Labor Employment and Training Administration
SNF — Skilled Nursing Facility
NASDAQ — National Association for Security Dealers and Automatic Quotation
ECI — Employment Cost Index
NAFTA — North American Free Trade Agreement
SEPG — Software Engineering Process Group
BBDO — Batten, Barton, Durstine & Osborn
CMBS — Commercial mortgage-backed securities
AA — Adverse Action
AIA — American Institute of Architecture
TPL — Third-Party Liability
FWT — Federal Withholding Tax
JOLTS — Job Openings and Labor Turnover Survey
SSB — Securities Supervisory Board
SIPC — Securities Investor Protection Corporation
MANOVA — Multivariate Analysis of Variance
CGMA — Chartered Global Management Accountant
MC — Market Capitalization
LTO — Long-Term Option
ECOSOC — Economic and Social Council of the United Nations
CIC — Consumer Information Center
W/C — Working Capital
BOT — Board of Trustees
OB — Office of Budget
FFO — Funds from operations
L/C — Letter of Credit
PEO — Professional Employer Organization
WT — Warrant
A/E — Architect/Engineer
OCF — Operating Cash Flow
AA — Author Alteration
SA — Seasonally Adjusted
TPD — Temporary Partial Disability
B.A. — Bachelor of Arts
CODA — Cash or Deferred Arrangement (401K)
WAP — Wireless Application Protocol
QAI — Quality Assurance International
INSARAG — International Search and Rescue Advisory Group
SIAP — Statistical Institute for Asia and the Pacific
B&P — Bid & Proposal
ICANN — Internet Corporation for Assigned Names and Numbers
LFY — Last Fiscal Year
CPSC — Consumer Products Safety Commission
WRA — Weighted Risk Assets

GICS — Global Industry Classification Standards
A/E — Accured expense
CMMI — Capability Maturity Model Integrated
CPA — Comprehensive Plan of Action
DPO — Days payables outstanding
B2C — Business to Consumer
FSLIC — Federal Savings & Loan Insurance Corporation
GIM — Gross Income Multiplier
NMS — Normal Market Size
DRTV — Direct Response Television
DHL — Dag Hammarskjöld Library
RIC — Regulated Investment Company
COI — Conflict Of Interest
UNICRI — United Nations Interregional Crime and Justice Research Institute
PR — Public Relations
MER — Management Expense Ratio
RRSP — Registered Retirement Savings Plan (Canada; Roughly Equivalent To The IRA In The U.S.)
ECE — Economische Commissie voor Europa (United Nations) (Dutch: Economic Commission for Europe)
GOOS — Global Ocean Observing System (IOC, UNESCO, WMO, and ICSU)
ISO — Incentive Stock Option
RSI — Relative Strength Indicator
ABV — Accredited in Business Valuation
ROS — Run Of Schedule
ASG — Assistant Secretary General
PERL — Practical Extraction and Report Language
USG — Under Secretary General
ABF — Asset-Based Financing
MRPS — Mandatorily redeemable preferred stock
PE — Price-earnings ratio
SOC — Standard Occupational Classification
ERTA — Economic Recovery Tax Act
RWA — Risk Weighted Asset
FMV — Fair Market Value
ROP — Run of Press
PLM — Product Lifecycle Management
LYON — Liquid Yield Option Note
NRE — Net realizable equity
CIMC — Certified Investment Management Consultant
PCCM — Percentage-of-completion/capitalized cost method
LEC — Local Exchange Carrier
C-TPAT — Customs-Trade Industry Against Terrorism
ECOWAS — Economic Community of West African States
UNFPA — United Nations Fund for Population Activities (see www.unfpa.org)
MCI — Microwave Communications Incorporated
AFR — Applicable Federal Rate
TTD — Temporary Total Disability
TSR — Terminate and Stay Resident [software program]
FCF — Free Cash Flow
ECOA — E-Mail Change of Address
BRE — Business Reply Envelope

CIF — Cost, Insurance, and Freight (Paid) (shipping)
NAR — National Association of Realtors
VIE — Variable Interest Entity
CC — Capital Contribution
NSA — Not Seasonally Adjusted
SAR — Summary Annual Report
ABCP — Asset Backed Commerical Paper
ICPD — International Conference on Population and Development
CAD — Cash Available for Distribution
IMRB — Indian Market Research Bureau
BCP — Business Continuity Plan
PCFRC — Private Company Financial Reporting Committee
DBT — Days Beyond Terms
AMPS — Auction Market Preferred Stock
UNGOMAP — United Nations Good Offices Mission In Afghanistan and Pakistan
NAICS — North American Industry Classification System
DIP — Debtor In Possession
AFTP — Anonymous File Transfer Protocol
OIBITDA — Operating Income Before Interest, Taxes, Depreciation and Amortization
DRO — Domestic Relations Order
MLS — Mass Layoff Statistics
CSO — Central Statistical Organisation
TAMRA — Technical and Miscellaneous Revenue Act of 1988
PHR — Professional in Human Resources Certification
GAAP — Generally Accepted Accounting Principles
EITC — Earned Income Tax Credit
CDI — Category Development Index
ALC — Alien Labor Certification
LTD — Limited
T&C — Terms & Conditions
PITI — Principal, Interest, Taxes, and Insurance
OSG — Office of the Secretary-General
TEV — Total Enterprise Value
FITW — Federal Income Tax Withholding
ACP — Actual deferral percentage
FHLMC — Federal Home Loan Mortgage Corporation, United States
UTMA — Uniform Transfers to Minors Act
SCA — Service Contract Act
IFAD — International Fund for Agricultural Development (UN)
UNISPAL — United Nations Information System on the question of Palestine
CF — Cash Flow
BDI — Brand Development Index
LOS — Law Of The Sea
DB — Defined Benefit (retirement Plan; For Example, A Pension)
DIO — Days Inventory Outstanding
ROA — Regional Office for Africa
CFP — Certified Financial PlannerTM
BPM — Business Performance Management
FHA — Federal Housing Administration
SESA — State Employment Security Agency

AR — Accounts Receivable
ECF — Extended Care Facility
NCSA — National Center for Supercomputing Applications
STP — Software Test Plan
XBRL — Extensible Business Reporting Language
ISSA — International Securities Services Association
CMYK — Cyan, Magenta, Yellow, Black
CSA — Cost Sharing Arrangement
FERC — Federal Energy Regulatory Commission (U.S.)
EBRI — Employee Benefit Research Institute
T&D — Training and Development
PDA — Payday Advance Loan
FUTA — Federal Unemployment Tax Act
LCM — Lower of Cost or Market
AFICS — Association of Former International Civil Servants
DINKS — Dual Income, No Kids
FNMA — Federal National Mortgage Association
HFS — Hold for sale
RFPA — Right to Financial Privacy Act of 1978
CLAT — Charitable Lead Annuity Trust
HECM — Home Equity Conversion Mortgage
SEP — Simplified Employee Pension
ATB — Accountants Trial Balance
BBB — Better Business Bureau's
AAG — Audit and accounting guides
DIC — Document Identifier Code
DAPT — Domestic Asset Protection Trust
CRUT — Charitable Remainder Unitrust
SIB — Securities and Investment Board
RR — Revenue Ruling
SIV — Structured Investment Vehicle
DCPP — Defined Contribution Pension Plan
FRF — Financial Reporting Framework
AFP — Association for Financial Professionals
FOM — Field Operations Manual
ECOA — Equal Credit Opportunity Act
UNDOF — United Nations Disengagement Observer Force
ITMP — Information Technology Management Program
LWO — Leave without pay
ZEN — Zero Effort Network
UNHCHR — United Nations High Commissioner for Human Rights
P&G — Proctor and Gamble
IDA — Industrial Development Authority
UCI — Unemployment Compensation Insurance
GAAS — Generally Accepted Auditing Standards. Perhaps only marginally less contradictory than GAAP, but they do exist, honestly.
APR — Annual Percentage Rate
CISSP — Certified Information Systems Security Professional
LT — Lead Time
FIE — Foreign-Invested Enterprise
CEDAW — Committee on the Elimination of Discrimination against Women

F/K/A — Formally known as
USF — Usable Square Feet
DSPP — Direct Stock Purchase Plan
NOL — Net Operating Loss
PAAS — Platform-as-a-Service
BONUCA — United Nations Peace-Building Office in the Central African Republic
EIC — Earned Income Credit
STAR — Satellite Television Asian Region, Ltd.
VSOE — Vendor-Specific Objective Evidence
ABMS — Activities Based Management System
ITIL — Information Technology Infrastructure Library
TSR — Tactical Studies Rules
ACP — Average Contribution Percentage
IASB — International Accounting Standards Board
F2F — Face-to-Face Meeting
NAAS — Network as a Service
GNMA — Government National Mortgage Association
CFS — Container Freight Station
YRT — Yearly Renewable Term
FMCS — Federal Mediation and Conciliation Service
CUSIP — The Committee Of Uniform Security Identification Procedures
CEPS — Cash Earnings Per Share
AAPC — Accounting and Auditing Policy Committee
SDI — State Disability Insurance
CGT — Capital Gains Tax
CAM — Common Area Maintenance (charges related to commercial leases)
BPD — barrels per day
CFTC — Commodity Futures Trading Commission
AIME — Average Index Monthly Earnings
CLU — Chartered Life Underwriter
ASEAN — Association of South East Asian Nations
PBGC — Pension Benefit Guaranty Corporation
PVFC — Prepaid variable forward contract
BTT — Business Transfer Tax
MLD — Market-linked deposit
FACCT — Foundation for Accountability
EBSA — Employee Benefits Security Administration
EFW — Electronic Funds Withdrawal
DVA — Debt value adjustment
OIOS — Office of Internal Oversight Services
ITBAT — IT Budget Analysis Team
FPML — Financial Products Markup Language
UNCED — United Nations Conference on Environment and Development
BOC — Budget Object Code
UNCC — United Nations Compensation Commission
FRA — Full Retirement Age
NSF — Not Sufficient Funds
ROFR — Right of First Refusal (finance)
FICCI — Federation of Indian Chamber of Commerce and Industry
PTP — Publicly Traded Partnership

FACHE — Fellow in American College of Healthcare Executives
SEM — Shared-Equity Mortgage
WIP — Work In Progress (process)
ASF — American Securitization Forum
ADR — Asset Depreciation Range (finance)
NDNH — National Directory of New Hires
NSA — National Safety Associates
ALV — Average Lease Value (Cars)
ESOP — Employee Stock Option Plan
PUD — Planned Unit Development
ISO — International Standard Organisation
HRM — Human Resource Management
PCAOB — Public Company Accounting Oversight Board
SRA — Supplemental Retirement Annuity
BOD — Board of Directors (Budget)
CEBS — Certified Employee Benefits Specialist
CETA — Comprehensive Employment and Training Act of 1975
EPPA — Employee Polygraph Protection Act
DCAP — Dependent Care Assistance Plan
OASDHI — Old Age, Survivors, Disability, and Health Insurance
QSF — Qualified Settlement Fund
SSI — Supplemental Security Income
ASTD — American Society for Training and Development
ROU — Right of Use
BOI — Business Object Interface
CDFI — Community Development Financial Institution
IAM — Identity and Access Management
VA — Veterans Affairs
ALBM — Automated Lending and Borrowing Mechanism
ALTA — American Land Title Transfer
PM — Profit Margin
BOA — Basic Ordering Agreement
SSD — Social Security Disability
EA — Electronic Arts Inc (NASDAQ Stock Exchange [NASDAQ])
PHI — Protected Health Information
SAT — Scholastic Aptitude Test
NAIC — National Association of Insurance Commissioners
KYC — Know-your-customer
UNCCD — United Nations Convention to Combat Desertification
BIA — Business Impact Analysis
LT — Long Terme
HROD — Human Resources and Organizational Development
MTL — Multi-Level Marketing
CIP — Capital Investment Proposal
ESO — Employee Stock Option
PRP — Preferred Risk Policy
UNIIMOG — United Nations Iran-Iraq Military Observer Group
OER — Operation Expense Ratio
HSBC — Household Bank Corporation
TRA — Tax Reform Act

ICQ — Internal Control Questionnaire
PPE — Property, Plant and Equipment
IFC — International Finance Corporation
CBCMC — Clinical Bar Code Multidisciplinary Committee
TRASOP — Tax Reduction Act ESOP
INC. — Incorporated
CICP — Centre for International Crime Prevention
EPCM — Exempt-contract, percentage-of-completion method
WI — Working Interest
DFEH — Department of Fair Employment and Housing's
NACUBO — National Association of College & University Business Organizations
RO/RL — Rool on/roll off
GPO — Guaranteed Purchase Option
BRC — Business Reply Card
CRC — Committee on the Rights of the Child
AGT — Agent
TEFRA — Tax Equity and Fiscal Responsibility Act of 1985
JEC — Joint Economic Committee
CFA — Committee on Food Aid Policies and Programmes
NCUA — National Credit Union Administration
FCCPA — Federal Consumer Credit Protection Act of 1968
CB — Carryback
SS — Safety Stock
CMA — Certified Management Accountant
ACFE — Advisory Committee on Forestry Education
ECOMOG — Economic Community of West African States' Monitoring Observer Group
CADR — Cash available for distribution before debt reduction
IASC — International Accounting Standards Committee
POP — Public Offering Price
IBEW — International Brotherhood of Electrical Workers
OCC — Office of the Comptroller of the Currency
REG. — Regulation
UNSCEAR — United Nations Scientific Committee on the Effects of Atomic Radiations
TRUPS — Trust Preferred Securities
S&P — Standard & Poor's
EVM — Earned Value Management
DCAA — (U.S.) Defense Contract Audit Agency
PEG — Price to Earnings Growth
PGI — Potential Gross Income
CPLTD — Current portion of long-term debt
HHS — Health and Human Services Department
CLUT — Charitable Lead Unitrust
ROAE — Return on Assets Employed
ICSAB — International Civil Service Advisory Board
UIC — Unemployment Insurance Commission (Canada, archaic)
CI — Contract Item
STTR — Small Business Technology Transfer
SUA — Convention for the Suppression of Unlawful Acts Against the Safety of Maritime Navigation
FCA — Farm Credit Administration
HCM — Human Capital Management

CCI — Consumer Confidence Index
OP — Order Point
AFTS — Automatic Funds Transfer Services
FVO — Fair Value Option
CCL — Center for Creative Leadership
CEA — Commodity Exchange Authority
UNCSW — United Nations Commission on the Status of Women
BTCF — Before Tax Cash Flow
FECA — Federal Employer’s Compensation Act
OHCHR — Office of the United Nations High Commissioner for Human Rights
YOY — Year-over-year
CUM DIV — Cumulative dividend
WPI — Wholesale Price Index
MRQ — Most Recent Quarter
TWA — Time Weighted Averages
AMTFTC — Alternative minimum tax foreign tax credit
MSA — Merit Salary Adjustment
ACV — Account Current Value
RTW — Right to Work
VOPAN — Voice Pitch Analysis
GTL — Group Term Life Insurance.
QBU — Qualified Business Unit
SHRM — Society for Human Resource Management's
UNCT — United Nations Country Team
EGI — Effective Gross Income
HDAPT — Hybrid domestic asset protection trust
SPE — Special Purpose Entity
NVI — Negative Volume Index
DMFAS — Debt Management and Financial Analysis System
ICGFI — International Consultative Group on Food Irradiation
DESIPA — Department for Economic and Social Information and Policy Analysis
WRLDWD — Worldwide
SMSA — Standard Metropolitan Statistical Area
RCN — Replacement Cost New
GIC — Guaranteed Investment Contract
UPE — Unreimbursed Partnership Expenses
PERAB — President's Economic Recovery Advisory Board
DDSN — Demand-driven supply networks
VEBA — Voluntary Employees' Beneficiary Association
WCEFA — World Conference on Education for All
DAF — Donor Advised Fund
BCFD — Billion Cubic Feet per Day
WTW — Welfare-to-Work
HAFA — Home Affordable Foreclosure Alternative program
ADS — Alternative Depreciation System
CLA — Cross-Licensing Agreement
INA — Immigration and Naturalization Act
GAO — Government Accounting Office
ESOT — employee stock ownership trust
SLOB — Separate Line of Business

EEOICPA — Energy Employee Occupational Illness Compensation Program Act
LTI — Long-term incentive
FEA — Fair Employment Act
CEMP — Comprehensive Emergency Management Program
UDITPA — Uniform Division of Income for Tax Purposes Act
BAT — Budget Advisory Team
MBS — mortgage backed security
MTTR — Mean Time To Recovery
SWOT — Strengths, Weaknesses, Opportunities and Threats
QJSA — Qualified Joint and Survivor Annuity
UNCIVPOL — United Nations Civilian Police
UNVFVT — United Nations Voluntary Fund for Victims of Torture
SPD — Summary Plan Description
CNS — Continuous Net Settlement
QPRT — Qualified Personal Residence Trust
BRD — Business Requirements Documentation
CPDO — Constant Proportion Debt Obligation
ATO — Administrative Time Off
HPI — Human Poverty Index
DBO — Death Benefit Only
RAN — Revenue Anticipation Note
EDI — Electronic Date Interchange
PBT — Profit Before Tax
BML — Bean Markup Language
ESS — Employee Self-Service System
RSA — Rivest-Shamir-Adleman
QSPE — Qualified special purpose entity
WIDER — United Nations University World Institute for Development Economics Research
ECAB — Employee's Compensation Appeals Board
VAT — Value-added taxes
NFFE — Nonfinancial foreign entity
DOT — Dictionary of Occupational Titles
OCHA — Office for the Coordination of Humanitarian Affairs
NPA — Non-Performing Assets
HC — Humanitarian Coordinator
COHRS — Central Office Human Resources Service
CVLI — Cash Value Life Insurance
CPHR — California Professional in Human Resources Certification
ACW — African Centre for Women
PING — Pocket Internet Gopher
AD & D — Accidental Death and Dismemberment
NNN — Net Net Net
ADI — Area of Dominant Influence
CPFFC — Cost-plus-fixed-fee contract
UTLZTN — Utilization
SB/SDB — Small Business/Small Disadvantaged Business
VXML — Voice eXtensible Markup Language
SMLLC — Single Member Limited Liability Company
CEA — Chief Enterprise Architect
UNCTAD — United Nations Conference on Trade and Development

VAO — Virtual Acquisition Office
MSP — Managed Service Provider
BRICS — Brazil, Russia, India, China and South Africa
VHA — Veterans Health Administration's
GCOS — Global Climate Observing System (WMO, IOC, UNEP, and ICSU)
ROC — Rate of Change
UNCCP — United Nations Conciliation Commission for Palestine
FIA — Federal Insurance Administration
CEBS — Certified Employee Benefit Specialist
TSP — Thrift Savings Plan
NDA — Nondisclosure Agreement
SMA — Separately Managed Account
UNCDF — United Nations Capital Development Fund
COE — Certificate of Eligibility
AFN — Additional Funds Needed
EAR — Export Administration Regulations
ILO — International Labor Organization (UN)
ESL — English as a second language
NIOSH — National Institute of Occupational Safety and Health's
CHL — Customs house license
CMSA — Consolidated Metropolitan Statistical Area
CSCS — Computer Software Components
UNZAP — United Nations Zambia Assistance Programme
SARSEP — Salary Reduction Simplified Employee Pension Plan
QME — Qualified Medical Examiner
VSOP — Very Special Old Pale
ATB — Adjusted Trial Balance
WFC — World Food Council
ICTY — International Criminal Tribunal for the Former Yugoslavia
VUL — Variable Universal Life
CFOC — Chief Financial Officers Council
NNTP — Network News Transport Protocol (ATM)
UNCHS — United Nations Centre for Human Settlements
ABLOS — Advisory Board on the Law of the Sea
HCTC — Health Coverage Tax Credit
ASPPA — American Society of Pension Professionals & Actuaries
HRD — Human Resource Development
MTB — Motor transportation broker
NAAEC — North American Agreement on Environmental Cooperation
CAT — Commercial Activity Tax
ZBB — Zero-based budgeting
ATU — Annual Tax Unit
DOM — Distributed Order Management
0DSAC — 90 days, same as cash
FMR — Fair Market Rental
MP3 — Moving Pictures Experts Group 1 Audio Layer 3
C2C — Customer to Customer
TESSA — Tax-Exempt Special Savings Account
REA — Return on assets
AFC — Average fixed costs

IOS — International Organization for Standards
HP — Hewlett Packard's
NABA — National Association of Black Accountants, Inc.
FCB — Foote Cone & Belding
AAGR — Annual average growth rate
AWW — average weekly wage
TIF — Tax Increment Financing
ADP — Applicable Distribution Period
YAHOO — You Are Hazy Over Oranges
DUSHOM — Deputy Under Secretary for Health for Operations and Management
NRI — Net Rising Index
HC — human capital
MCC — Mortgage Credit Certificate
UNOCHA — United Nations Office for the Coordination of Humanitarian Affairs
AET — Accumulated Earnings Tax
IAG — International Auditing Guidelines
PTA — Preferential Trade Arrangement
SDVOSB — Service-Disabled Veteran-Owned Small Business
ACABQ — Advisory Committee on Administrative and Budgetary Questions
TDB — Temporary Disability Benefits
OL — Operating Liabilities
NCCI — National Council on Compensation Insurance
CSV — Cash Surrender Value
SSVS — Statement on Standards for Valuation Services
CIA — Certified Internal Auditor (US)
SBAP — Small Business Assistance Program
ICC — International Chamber of Commerce
ERM — Enterprise Risk Management
ITSM — Information Technology Service Management
SSUTA — Streamlined Sales and Use Tax Agreement
KSA — Knowledge, Skills, Abilities
LDI — Liability Driven Investment
CO — Compliance Officer
OCR — Overall Capitalization Rate
CPO — Chief of Purchasing Office
SAAR — Seasonally Adjusted Annual Rate
SBA — Small Business Administrations
VWAP — Value Weighted Average Price
IRP — Industry Risk Premium
CCPOQ — Consultative Committee on Programme and Operational Questions
F&F — Furniture & Fixtures
EMP — Environmental Planning and Management
INS — Immigration & Naturalization Service
AATF — Airport and Airway Trust Fund
LR — Labor Relations
LAIA — Latin American Integration Association
COSO — Committee of Sponsoring Organizations
MST — Marketable Securities Tax
CIPP/G — Certified Information Privacy Professional/Government
CBL — Common Business Language

BPC — Business Planning Cycle
EMV — Europay, Master Card and Visa
NASBA — National Association of State Boards of Accountancy
GAAC — Government Accounting and Auditing Committee
COLI — Cost of Living Index
GR — General Revenue
SEPED — Social Development and Poverty Elimination Division
OD — Organizational Development
UNOMUR — United Nations Observer Mission Uganda-Rwanda
WRAEA — Workforce Reinvestment and Adult Education Act
NAC — National Acquisition Center
UNOGBIS — United Nations Peace-Building Support Office in Guinea-Bissau
AFB — American Farm Bureau, Inc.
UNDHL — United Nations Dag Hammarskjölds Library
CGL — Comprehensive General Liability
RJP — Realistic Job Preview
ECM — Enterprise Content Management
MMC — Money market certificate of deposit
SFOR — Stabilization Force
ESA — Employment Standards Administration
SMM — Summary of material modifications
PSI — Performance Salary Increase
PAM — Pledged Account Mortgage
PCE — Personal consumption expenditure; personal consumption expenditure deflator
UCR — Usual, Customary and Reasonable Fees
IRMAA — Income Related Medicare Adjustment Amount
ICM — Incentive Compensation Management
CCPA — Consumer Credit Protection Act
FAME — Facilities Maintenance Engineering
CIK — Central index keys
NRMLA — National Reverse Mortgage Lenders Association
JTPA — Job Training Partnership Act
REMIC — Real Estate Mortgage Investment Conduit
CAPS — Convertible Adjustable Preferred Stock
UNAFRI — United Nations African Institute for the Prevention of Crime and the Treatment of Offenders
UNIFIL — United Nations Interim Force In Lebanon
DMB&B — D'arcy Masius Benton & Bowles
DWC — Days working capital
UNOHCI — United Nations Office of the Humanitarian Coordinator for Iraq
IAS — International Accounting Standards
A&S — Accident and sickness insurance
EPROM — Electrically Programmable Read Only Memory
CPP — Cost Per rating Point
DII — Days in Inventory
UNCITRAL — United Nations Commission On International Trade Law
CRAFT — Computerised Relative Allocation of Facilities Techniques
TAB — Tax Anticipation Bill
CFC — Court of Federal Claims
Y/Y — Year-over-year
(X) — Export

PE — Price to Earnings Ratio
NCCUSL — National Conference of Commissioners on Uniform State Laws
ICSC — International Civil Service Commission
BHC — Bank Holding Company
UNFCCC — United Nations Framework Convention on Climate Change
USRPHC — U.S. real property hodling corporation
TTL — Total Linhas Aéreas
ITAC — Information Technology Advisory Committee
WRC — World Radiocommunication Conference
AML — Adjustable Mortgage Loan
AFE — Average Funds Employed
UNOMIL — United Nations Observer Mission In Liberia
HWRP — Hydrology and Water Resources Programme
UNDAF — United Nations Development Assistance Framework
CFC — Chartered Financial Consultant
BAT — Business Action Theory
ISO — Independent Sales Organization
C&I — Commercial and industrial customers (Electricity transmission)
ERM — Enterprise Resource Management
PIPE — Public investment in private equity
NRF — National Retail Federation
WPP — Wire and Plastic Products
CAPP — Cash Account Pension Plan
HRA — Health Reimbursement Account
LCL — Less than Carload Lot
IAB — Internet Advertising Bureau
UNITAR — United Nations Institute for Training and Research
FOK — Fill-or-kill order
UC — Unemployment Compensation
SDD — Software Design and Development
ABC — Audit Bureau of Circulations Inc.
LHWCA — Longshore and Harbor Worker’s Compensation Act
IETC — International Environmental Technology Centre
AE — Actual Expense
UNOMIG — United Nations Observer Mission In Georgia
MSB — Money Service Businesses
BPO — Bargain Purchase Option
TSA — Tax-sheltered annuity
USRPI — U.S. real property interest
SITC — Standard International Trade Classification
GEF — Global Environmental Facility (environment)
MBE — Mortgage banking enterprise
ACRB — Architectural Change and Review Board
M&A — Merger & Acquisition
UNEF — United Nations Emergency Force
UNPD — United Nations Population Division
DVOP — Disabled Veterans Outreach Program
VWAP — Volume-weighted average price
GRID — Global Resource Information Database (UNEP)
BRM — Business Reference Model

COL — Cost Of Living
ADP — Automatic Data Processor
CSO — Chief Security Officer
OR — Operations research
IDNDR — International Decade for Natural Disaster Reduction
ITC — Information Technology Conference
LTA — Long-Term Agreement
GPHR — Global Professional in Human Resources
UNRISD — United Nations Research Institute for Social Development
COFI — Cost of Funds Index
SME — Small- to medium-sized entities
NRD — Normal Retirement Date
UNTEA — United Nations Temporary Executive Authority
FEIN — Federal Employment Identification Number
MSER — Multi-state Employer Registration
ADP — Attention Dial Pulse
OSSG — Office of the Spokesman for the Secretary-General
MOF — Ministry Of Finance
BPM — business process management
APB — Accounting Principles Board's
INSTRAW — International Research and Training Institute for the Advancement of Women
DTCC — Depository Trust & Clearing Corp
EPTA — Expanded Programme of Technical Assistance
MAGI — Modified Adjusted Gross Income
SMI — Supplemental Medical Insurance (US Medicare Part B)
I-9 — I-9 Form
FACT — Fair and Accurate Credit Transactions Act of 2003
OLA — Office of Legal Affairs
TC — Trusteeship Council (UN)
ACFR — Advisory Committee on Fishery Research
FMOC — Federal Open Market Committee
ETC — Estimate To Completion
FMC — Federal Maritime Commission's
ADAS — Associate Deputy Assistant Secretary
DAW — Division for the Advancement of Women
AMCD — Audit and Management Consulting Division
SBRB — Small Business Research Board
QR — Quality Review
HCO — Health Care Organization
FEI — Financial Executives Institute
USAA — United Services Automobile Association's
LEAF — Logistics, Engineering, Acquisition, and Finance
HRIS — Human Resources Information System
CFIA — Competency Framework for Internal Auditing
URLA — Uniform Residential Loan Application
STF — Summary Tape File
CNC — Currently Not Collectible
MLA — Minimum Liquid Assets
FCCC — For the Framework Convention on Climate Change
NMFC — National Motor Freight Classification

CEU — Continuing Education Unit
GASB — Governmental Accounting Standards Board
CFBT — Cash flow before taxes
OFCCP — Office of Federal Contract Compliance Programs
ITSD — Information Technology Services Division
SBD — Small Disadvantaged Business
GSR — General Securities Representative
AC — Acceleration Clause
VOCC — Vessel Operating Common Carriers
EAPA — Employee Assistance Professionals Association, Inc
FSA — Farm Service Agency
RTN — Routing Transit Number
DNAMTI — Distributable Net Alternative Minimum Taxable Income
GLA — Gross Leaseable Area
TBC — To Be Contested
NFTC — National Foreign Trade Council, Inc.
D&B — Dun & Bradstreet
CRM — Credit Risk Management
ULPA — Uniform Limited Partnership Act
OTB — Off-Track Betting
GSTP — Global System of Trade Preferences
HRMS — Human Resource Management System
CSUM — Common Security User Manager
TPA — Third Party Administrator
FAS — Financial Accounting Standards
CPE — Continuing Professional Educational
UNSO — United Nations Sudano-Sahelian Office
ITS — Intermarket Trading System
ROC — Return on Capital
UNOMSA — United Nations Observer Mission in South Africa
CS — Cost-Sharing
HRIS — Human Resource Information System
CEA — Certificate of Educational Achievement
GTOS — Global Terrestrial Observing System
BPO — Business Process Optimization
OCBOA — Other Comprehensive Basis of Accounting
GINA — Genetic Information Nondiscrimination Act of 2007
A/S — Account sales
BET — Business entity tax
SSBIC — Specialized Small Business Investment Company
FLP — Family Limited Partnership
CHRC — Canadian Human Rights Commission
GAGAS — Generally Accepted Government Accounting Standards
IMR — Information Management Research
AUI — Auxiliary Unit Interface
CBFA — Committee on Budget, Finance and Administration
HCA — head of contracting activity; humanitarian and civic assistance
DPSP — Deferred Profit Sharing Plan
DAN — Depositor Account Number
LINTAS — Levers International Advertising Services

ILC — International Law Commission
ATNOLD — Alternative Minimum Tax Net Operating Loss Deduction
CSEMO — Corporate Senior Executive Management Office
BSNL — Bharath Sanchar Nigam Limited
NACM — National Association of Credit Management
UNOSOM — United Nations Operation in Somalia
FBAR — Foreign Bank & Financial Account
MCC — Merchant category codes
ITLO — Information Technology Logistics Office
OOB — OOS out of business
CEOSH — Center for Engineering & Occupational Safety and Health
EAC — Employee Advisory Committee
QNEC — Qualified nonelective contributions
MEWA — Multiple Employer Welfare Arrangement
UNCRD — United Nations Centre for Regional Development
SDNP — Sustainable Development Networking Programme
3COM — Computer, Communications and Compatibility
ESAF — Enhanced Structural Adjustment Facility
BDI — Behavioral Description Interview
DFI — Derivative Financial Instrument
GAW — Global Atmosphere Watch (WMO)
ZAW — Zero Administration for Windows
ECR — Executive Conference Room
HRA — Health Reimbursement Arrangement
SRSG — Special Representative of the Secretary-General
IAF — Inflation Adjustment Factor
PTAC — Procurement Technical Assistance Center
BAA — Business Associate Agreement
SCM — Supply Chain Management
SIFMA — Securities Industry and Financial Markets Association
PIA — Primary Insurance Amount
EDGAR — Electronic Data Gathering, Analysis and Retrieval
ALBCC — Account Level Budget Cost Center
NAPAT — National Association for Private Annuity Trusts
TAT — Total asset turnover
CEA — Council of Economic Advisors
MOTO — Mail order-telephone order
RFA — Regulatory Flexibility Act (US)
ISM — Interactive Studio Management
CPI-W — Consumer Price Index for Urban Wage Earners and Clerical Workers
FASAC — Financial Accounting Standards Advisory Committee
CCOP — Coordinating Committee for Coastal and Offshore Geoscience Programmes in East and South East Asia
UAW — United Auto Workers
EDA — Economically Depressed Area
AGGG — Advisory Group on Greenhouse Gases
SAS — Statement of Accounting Standards
AGFFA — Advisory Group on Financial Flows to Africa
HRLY — Hourly
TVI — Trade Value Index
CCSQ — Consultative Committee on Substantive Questions

SHD — Sustainable Human Development
SWT — State witholding tax
SSDI — Social Security Disability Insurance
P&I — Principle and interest payment
EMIF — Emerging Issues Task Force
QWL — Quality of Work Life
ZEBRA — Zero-balance reimbursement account
LCC — Life Cycle Cost
UNAMIR — United Nations Assistance Mission for Rwanda
CBI — Compliance and Business Integrity
TEA — Technology-enabled auditing
PMV — Private Market Value
DSPE — Deputy Senior Procurement Executive Known
SOV — Share Of Voice
FAAS — Financial Assurance and Accountability Standards
GRC — Goverance, risk and compliance
DTP — Data Transfer Program
WAI — Wealth Added Index
RFM — Rcency, Frequency, Monetary Analysis
BIRLS — Beneficiary Identification Records Locator Subsystem
IFEBP — International Foundation of Employee Benefit Plans
S&L — Savings and Loan
UNOVER — United Nations Observer Mission to Verify the Referendum in Eritrea
CPCU — Chartered property and casualty underwriter
IDS — Income Deposit Securities
UMB — United Missouri Bank
LEI — Leading Economic Indicators
ICRA — Investment Information and Credit Rating Agency
CPC — Committee for Programme and Coordination
UNSCOM — United Nations Special Commission for the Elimination of Iraq's Weapons of Mass Destruction
CTI — Computer/Telephone Integration
CWHSSA — Contract Work Hours and Safety Standards Act
PIM — Product Information Management
A&I — Accident and Indemnity
UNJSPF — United Nations Joint Staff Pension Fund
FALD — United Nations Field Administration and Logistics Division
LOR — Letter Of Response
C&D — Cease and Desist
FRS — Functional Requirements Specifications
P/E — Price-to-earnings ratio
L/V — Loan-to-value ratio
FMRR — Financial Management Rate of Return
MHAEA — Mental Health and Addiction Equity Act
IBC — Independent Breweries Company (original manufacturer of IBC Root Beer)
SPAC — Special-purpose acquisition company
PEC — Potential earnings converted
UNIPTF — United Nations International Police Task Force
NPT — Non-Proliferation Treaty
FASIT — Financial asset securitization investment trusts
UCR — Usual, customary, and reasonable

ABS — Asset Based Securitization
EOLI — Employer owned life insurance
UNTAC — United Nations Transitional Authority in Cambodia
UNV — United Nations Volunteers Programme
FRA — Federal Reserve Act
CCHR — Canadian Council on Human Resources
D&O — Directors and Officers Liability
DUS — Dollar Unit Sampling
HCSA — Health Care Spending Account
SECA — Self-Employment Contributions Act
LMI — Lender's mortage insurance
SSOP — Second Surgical Opinion Program
BCS — Business Case Study
TRNSFR — Transfer
ESP — Exchange Stock Portfolio
TOD — Transfer on death
IHRIM — International Association of Human Resource Information Management
WCC — World Climate Conference
WBG — World Bank Group
CSPN — College Savings Plan Network
OSBDU — Office of Small and Disadvantaged Business Utilization
PCS — Post-contract customer support
HARP — Home Affordable Refinance Program
IEC — Inter Exchange Carrier
POCS — Points of Contact
RMBS — Residential mortgage backed securities
DBPP — Defined Benefit Pension Plan
COP — Conference of the Parties
GAAFR — Governmental Accounting, Auditing, and Financial Reporting
PT — Part-Time
ACII — American Association of Individual Investors
GMIB — Guaranteed Minimum Income Benefit
EIC — Earned Income Tax Credit
ARR — Average Rate of Return
ASCI — Advertising & Standards Council of India
DIT — Deposit in Transit
OI&T — Office of Information and Technology
GEENET — Global Environmental Epidemiology Network
IREA — Intermountain Rural Electric Association
MSRB — Municipal Securities Rulemaking Board
MUD — Multiple User Dungeon
HQS — Housing Quality Standards
BCA — Board of Contract Appeals
CODI — Cancellation of Debt Income
WKLY — Weekly
EFTA — European Free Trade Area
CSA — Capital Support Agreements
UNTMIH — United Nations Transitional Mission in Haiti
EBO — Employee Buyout
AIC — Architecture and Infrastructure Committee

OER — Owner's equivalent rent
UDR — Unused development rights
DOCO — Development Operations Coordination Office
SDVOB — Service-disabled veteran owned business
XML — Extended Markup Language
NAVA — National Association for Variable Annuities
NIPA — National income and product accounts
EOSG — Executive Office of the Secretary-General
ASBL — American Small Business League
PFR — Portable Font Resource
LTC — Long-Term Care
RIPA — Retirement Income Policy Act
DAP — Direct Access Program
STD — Short-term disability
USOA — Uniform system of accounts
INCB — International Narcotics Control Board
F&C — Free and Clear
TPRB — Trade Policy Review Body
ITMRA — Information Technology Management Reform Act (Part of the Clinger-Cohen Act)
WHD — World Habitat Day
B2C — Business to Citizen
ADA — Associate Deputy Administrator
LMA — Labor Market Area
SBBA — Sales and Buy-Back Agreement
TALF — Term Asset-Backed Securities Loan Facility
OGC — Office of the General Counsel
OCP — Overland Common Point
COPICS — Communication Oriented Production and Information Control System
ARS — Auction Rate Securities
NFIB — National Federation of Independent Business
UNSMIH — United Nations Support Mission In Haiti
ECN — Electronic Communications Network
UNDCP — United Nations International Drug Control Programme
VOB — Veteran-Owned Business
NABARD — National Bank for Agricultural and Rural Development
LLDIE — Limited life debt investment entity
DSI — Discretionary Salary Increase
UTC — Uniform Trust Code
SLA — Share lending agreement
MPPAA — Multiemployer Pension Plan Amendments Act
SSBCI — State Small Business Credit Initiative
TOFC — Trailer On Flat Car
ING — Internationale Nederlanden Group (a Financial Company)
IEFR — International Emergency Food Reserve
UNOG — United Nations Office at Geneva
BEIT — Business Enterprise Income Tax
LLTC — Limited liability trust company
TILA — Truth In Lending Act
OR — Operating revenue
NEO — New and Emerging Occupations

PJ — Purchases journal
EPA — Expanded Programme of Assistance
VEVRA — Vietnam-Era Veterans Readjustment Act
CHB — Custom House Broker
ICDC — International Child Development Centre
IGE — Intergovernmental Group of Experts
UNISTE — United Nations International Symposium on Trade Efficiency
WCP — World Climate Programme (WMO/ICSU)
AFN — Annual Funding Notice
EECB — Executive E-mail Carpet Bomb
IBDOEI — Income before discontinued operations and extraordinary items
PPA — Pension Protection Act of 1987
PWBA — Pension and Welfare Benefits Administration
GAO — General Accountability Office
CE — Continuing Education
CPP — Consumer Preferences and Policy
C&A — Certification & Authority
IRD — Income in respect of a decedent
TPS — Transaction processing services
SHOP — Small Business Health Options Program
CHFC — Chartered Financial Consultant
WARN — Worker Adjustment and Retraining Notification Act of 1988
AFSCME — American Federation of State, County and Municipal Employers
FSP — FASB Staff Position
ITAM — IT asset management
UNEP-IE — United Nations Environment Programme Industry and Environment Centre
NSBA — National Small Business Association
PAR — Public Accounting Report
FUNSA — Federation of Staff Association of the United Nations and its Specialized Agencies
SPHR — Senior Professional Human Resources
DAC — Delivery Against Cost
D/L — Demand loan
CHRC — Criminal History Records Check
USPAP — Uniform Standards of Professional Appraisal Practice
DITE — Division on Investment, Technology and Enterprise Development
QTIP — Qualified Terminable Interest Property
CRPC — Chartered Retirement Planning Counselor
PBA — Pending bank approval
DBIC — Data Base Integration Committee
BAN — Bank anticipation notes
UNL — Universal Networking Language
IDB — Industrial Development Bond
LEO — Long-term Equity Options
CAA — Congressional Accountability Act
TN — Temporary Visa
GPML — Global Programme Against Money Laundering
OIS — Overnight Index Swaps
CSVLI — Cash surrender value life insurance
GIWA — Global International Waters Assessment
SFAS — Statements of Financial Accounting Standards

USTC — United States Tax Court
QIE — Domestically controlled qualified investment entity
AAA — Authentication, Authorization & Access
GIST — Graphics and Intelligence based Script Technology
CTI — Category, Type, Item
FMHA — Farmers Home Administration
NRA — Non-Resident Alien
ELI — Equity Linked Investments
FLC — Foreign Labor Certification
CEIS — Corporate Executive Information System
UNSECOORD — Office of the United Nations Security Coordinator
BOP — businessowners policy
TA — Technology Assessment
NAO — National Administrative Offices
CCM — Completed Contract Method
SRPM — Stated Redemption Price at Maturity
CSR — Corporate Social Responsibilty
MDIB — Minimum Distribution Incidental Benefit
MTNL — Mahanagar Telephone Nigam Limited
ROTC — Reserve Officer Training Corporation
ASR — Accelerated Stock Repurchase
SLS — Sales
HRCI — Human Resource Certification Institute
SBC — Summary of Benefits and Coverage
SBLF — Small Business Lending Fund
LLIC — Limited liability investment company
IPS — Inflation Protected Security
MSI — Multiple Streams of Income
ODCF — Owner's Discretionary Cash Flow
FSR — Financial Strength Rating
DEFRA — Deficit Reduction Act
UNDAW — United Nations Division for the Advancement of Women
KSA — Knowledge Skills or Abilities
IAPSO — Inter-Agency Procurement Services Office
DGAACS — Department of General Assembly Affairs and Conference Services
APIC — Additional paid-in capital
EBP — Employee Benefits Plan
RELP — Real Estate Limited Partnership
UNTAET — United Nations Transitional Administration in East Timor
UNIDO — United Nations Industrial Development Organization
APOC — Administrative Point of Contact
BNIB — Business Needs and Investment Board
NPL — Nonperforming loan
IFOR — Implementation Force
UNMIBH — United Nations Mission in Bosnia and Herzegovina
LTCG — Long-term capital gain
BLBA — Black Lunch Benefits Act
NCO — Net chargeoffs
UNMACC — United Nations Mine Action Coordination Centre
IACWGE — Inter-Agency Committee on Women and Gender Equity

AC — Associate Chief of Staff
DGFT — Director General of Foreign Trade
IPA — Inflation Protected Annuity
JPO — Junior Professional Officer
WHCRA — Women’s Health and Cancer Rights Act of 1998
NASDR — National Association of Securities Dealers Regulation
ARB — Accident Review Board
VA — Variable Annuity
ILC — Industrial Loan Company
SITW — State income tax withholding
MTM — Market to Market
ITC — International Trade Center
DDB — Doyle Dane Bernbach
UNOMSIL — United Nations Observer Mission in Sierra Leone
ASHHRA — American Society for Healthcare Human Resources Administration
DSW — Discount Shoe Warehouse
CESCR — Convention on Economic, Social and Cultural Rights
LAC — Division for Latin America and the Caribbean
RET — Retirement earnings test
KMI — Knowledge Management Initiative
EDA — Economic Development Administration's
JCT — Joint Committee on Taxation
DK — Dorling Kindersley
CALS — Continuous Acquisition Lifecycle Support
USCIS — U.S. Citizenship and Immigration Service
LDP — Last Day Paid
BQ — Best Qualified
MTHLY — monthly
UNCA — United Nations Correspondents Association
VBA — Veterans Benefit Administration
CCR — Central Contractor Registeration
LC — Limited Company
FPO — Fruit Products Order
GEM — Growing Equity Mortgage
ARD — Actual retirement date
ALBRS — Automated Lending and Borrowing in Rolling Settlement
STOLI — Stranger-originated life insurance
HCIP — Harmonized Index of Consumer Pricing
TUR — Total Unemployment Rates
ACLI — American Council of Life Insurance
IUC — Information Unit for Conventions
WHYCOS — World Hydrological Cycle Observing System
PMSA — Primary Metropolitan Statistical Area
ISMUN — International Student Movement for the United Nations
LRO — Labor Relations Officer
IRB — Internal Revenue Bulletin
SOBO — Small Office Business Office
UNAIDS — Joint United Nations Programme on HIV/ Acquired Immune Deficiency Syndrome
VBIA — Veterans Benefits Improvement Act of 2004
PTSD — Post Traumatic Stress Syndrome

OOH — Occupational Outlook Handbook
NATP — National Association of Tax Professionals
EMT — Executive Management Team
RFB — Request For Bid
SIC — Standard industrial clssification
IDB — Industrial Development Board
IMRO — Investment Management Regulatory Organisation
CEHIST — Center for Evaluation of Healthcare Information Systems & Technology
B.S. — Bachelor of Science
FPM — Flexible Payment Mortgage
RDC — Remote Deposit Capture
MHPA — Mental Health Parity Act of 1996
DWC — Division of Workers Compensation
OSDBU — Office of Small and Disadvantaged Business Utilization
CDS — Credit default swaps
UNTAES — United Nations Transitional Administration for Eastern Slavonia, Baranja and Western Sirmium
CAO — Contract Administration Office
PCE — Pre-existing Condition Exclusion
FSB — Fortune Small Business
FO — Foreign to occupation
AWL — Actual Wage Loss
ALC — Agency Location Code
SSD — Social Security Disability
CRSR — Congressional Research Service Report
ICS — Information Centres Services
IASA — Internation Air Shipper's Association
NCAO — National Cemetery Area Office
DUA — Disaster Unemployment Assistance
E&P — Earnings & Profits
NMHPA — Newborns’ and Mothers’ Health Protection Act
OM — Options Market
RDMHQ — Rapidly Deployable Mission Headquarters
QE — Quarter Ending
SBJPA — Small Business Job Protection Act of 1996
ODCCP — United Nations Office for Drug Control and Crime Prevention
SBI — Site Build It
CTJ — Citizens for Tax Justice/Institute on Taxation and Economic Policy
CCISUA — Coordinating Committee of International Staff Unions and Associations of the United Nations System
STIP — Short-Term Industry Projections
DRC — Deficit Reduction Contribution
HVCC — Home Valuation Code of Conduct (mortgage and appraisal industry)
ZEN — Zero Engine Noise
GAW — Guaranteed Annual Wage
SRO — Self Regulatory Organization
PEP — Personal Exemption Phaseout
J&S — Joint and Survivorship
DBA — Davis-Bacon Act
IFUP — International Forum on Urban Poverty
UNIPOM — United Nations India-Pakistan Observation Mission
B&N — Barnes and Noble

BIOLAC — United Nations University Programme for Biotechnology in Latin America and the Caribbean
BPC — Budget Priority Committee
FWCW — United Nations Fourth World Conference on Women
BCAG — Business Community Advisory Group
EPAU — Evaluation and Policy Analysis Unit
IQPA — Independent Qualified Public Accountant
SPX — Standard and Poor’s Index
PRA — Paperwork Reduction Act of 1980
PWC — Public Works Commission
AMC — Appraisal Management Companies
SEPHA — Special Emergency Programme for the Horn of Africa
PCM — Percentage-of-completion method
D2D — Developer to Developer
IPMA — International Personnel Management Association
AGFUND — Arab Gulf Programme for United Nations Development Organizations
UNMIH — United Nations Mission In Haiti
UNLTC — United Nations Military Liaison Team in Cambodia
CBRS — Currency banking and retrieval system
DM — Department of Management
POC — Pacific Operations Centre
MSPR — Medicare Secondary Payer Rules
ISBA — International Seabed Area
LCD — Labor Cost Distribution
ODPR — Office for Displaced Persons and Refugees
GWAC — Government Wide Acquisition Contract
NAEA — National Association of Enrolled Agents
CISC — Common Instruction Set Computer
FRN — Floating rate notes
SV — Salvage value
DFS — Dancer Fitzerald Sample
UNSC — United Nations Security Council
DRPC — Division for Resources Planning and Coordination
CDR — Centre for Documentation and Research
TAA — Trade Adjustment Act
SAM — System for Award Management
SEDR — Systems Engineering and Design Review
EM — Emergency Loan Program
NRA — Normal Retirement Age
IOLTA — Interest on Lawyer's Trust Account
R/E — Retained earnings
OIP — Office of the Iraq Programme
VPT — Volume Price Trend
REA — Retirement Equity Act
SNT — Supplemental Needs Trust
UNIDIR — United Nations Institute for Disarmament Research
VOSB — Veteran-Owned Small Business
IAAS — Infrastructure as a Service
GMP — Guaranteed Maximum Price
UNDG — United Nations Development Group
A&A — Assessment and Accreditation

ILM — Industrial Light and Magic, Inc.
PM PAR — Program Management Policy, Assessment, and Reporting
UNPD — United Nations Procurement Division
SDA — Self-directed brokerage account
UNCJIN — United Nations Crime and Justice Information Network
EBRI — Employee Benefits Research Institute
EPLI — Employee practices liability insurance
PVT — Persons Viewing Television
UNREO — United Nations Rwanda Emergency Office
UNSD — United Nations Statistic Division
MSPA — Migrant and Seasonal Agriculture Worker Protection Act
CSA — Common Services Architecture
FOF — Fund of Funds
FAC-C — Federal Acquisition Certification in Contracting
CBHCO — Community-Based Health Care Organization
CEC — Continuing Education Center
PCE — Private Commercial Enterprise
CAMPS — Cumulative Auction Market Preferred Stock
JAIN — Joint American Indian Network
OHCA — Organized Health Care Arrangement
SSTP — Streamlined Sales Tax Project
JAN — Job Accommodation Network's
PE — Printer Error
UFW — United Farm Workers
BOC — Business Operations Committee
SDE — Service Delivery and Engineering
UNIC — United Nations Information Centre
MEC — Minimum essential coverage
QR — Quarterly Report
PFK — Pay-for-knowledge-and-skills plans
BDC — Business Development Council
BREP — Business Requirements Engineering Process
JRPU — Joint Reintegration Programming Unit
GCT — General Corporation Tax
SLA — Supplemental Lease Agreements
DBB — Design-bid-build
MOD — Manufacturing on demand
ODDS — Online Data Delivery System
CCH — Commerce Clearing House
UNMOT — United Nations Mission of Observers in Tajikistan
ALA — American Legion Auxiliary
A&A — Advisory & Assistance
VAL. — Value
TIC — Tenant In Common
GWG — Gender Working Group
BV — Book value
UNAMSIL — United Nations Mission In Sierra Leone
DNA — Distributed Internet Application Architecture
VWPX — Volume Weighted Price Uncrossing
GNC — General Nutrition Centers

SAAR — Seasonally Adjusted Annualized Rate
VRM — Variable Rate Mortgage
COBRA — Common Object Request Broker Architecture
UI — Unemployment Insurance
UNPROFOR — United Nations Protection Force (in Former Yugoslavia)
EAP — Employee Assistance Plan
EPPG — Emergency Prevention and Preparedness Group
DIMA — Division of Information Management and Analysis
EB — Extended Benefits
IBD — Investors Business Daily
SSNVS — Social Security Number Verification System
ITOC — Information Technology Oversight & Compliance
COSVA — Chief of Staff
PBC — Programme and Budget Committee
CFS — Committee on World Food Security
LDC — Low Death Conflict
SDCF — Sellers Discretionary Cash Flow
CFRS — Carry Forward in Rolling Settlement
LDW — Last Day Worked
NUA — Net Unrealized Appreciation
SAMS — Systemic Advocacy Management System
CCC — Commodity Credit Corporation
UNSCO — Office of the United Nations Special Coordinator for the Middle East
CEIT — Comprehensive business income tax
QREC — Quality Review Executive Committee
AETF — African Emergency Task Force
XFRML — XML based Financial Reporting Markup Language
CRISIL — Credit Rating Investment Services India Limited
AA — Average Audience
USPTO — U.S. Patent and Trademark Office
OC — Opportunity Cost
GIPS — Global Investment Policy Standards
USM — Unlisted Securities Market
EPLI — Employment Practices Liability Insurance
DPGA — Deferred Payment Gift Annuity
UNAVEM — United Nations Angola Verification Mission
OTI — OSHA Training Institute
MBA — Masters of Business Administration
USERRA — Uniform Services Employment and Reemployment Rights Act
UNHQ — United Nations Headquarters
E/M — Evaluation and Management
PA — Public Accountant
TCDC — Technical Cooperation among Developing Countries
PE — Pass-through entity
JECFA — Joint Expert Committee on Food Additives
DR. — Debit
CSD — Commission on Sustainable Development's
RIM — Retail Inventory Method
UNMAS — United Nations Mine Action Service
CEFU — Continuing Education Field Unit

JVC — Japan's Victor Company
FYE — Fiscal year ended
VLI — Variable Life Insurance
FEP — Fair employment practice
EBSA — Employee Benefit Security Administration's
SBIR — Small Business Innovation and Research
MOC — Market On Close
ULP — Unfair Labour Practices
COAS — Clinical Observation Access Control
PPA — Paperwork Reduction Act
UNFALD — United Nations Field Administration and Logistics Division
NAALC — North American Agreement on Labor Cooperation
IIOP — Internet Inter operable ORB Protocol
ECDC — Economic Cooperation Among Developing Countries
LTD — Long Term Insurance
PERC — Premiums, earnings and reasonable charges
NE — Non-Exempt
USC — United States Code
TEUC — Temporary Extended Unemployment Compensation
DSPD — Division for Social Policy and Development
OEL — Offshore Employee Leasing
IDS — International Development Strategy
SLE — Single lease expense
SMES — Small- and medium-scale enterprises
CBO — Chief Business Office
BPO — Broker Price Opinion
FSET — Federal State Employment Taxes
SPE — Senior Procurement Executive
TCOE — Total Cost of Equity
CTFA — Certified trust & financial advisor
SMB — Small- to medium-sized business
UNOPS — United Nations Office for Project Services
RPO — Recruitment process outsourcing
SROI — Subsequent Report of Injury
TCPC — Technical Committee for Programme and Coordination
FEP — Fair Employment Practices
DUSB — Deputy Undersecretary for Benefits
UNOGIL — United Nations Observation Group In Lebanon
FT — Full-Time
CCAQ(PER) — Consultative Committee on Administrative Questions (Personnel and General Administrative Questions)
CHS — Commission on Human Settlements
OSDC — Over/Short/Damage/Claims
PD — Procurement Division
WIA — Workforce Investment Act
RI — Royalty Interest
KMI — Key Man Insurance
FIRPTA — Foreign Investment in Real Property Tax Act
CIP — Capital Investment Process
B2C — Business to Comerce
BRB — Benefit Review Board

CFO — Chief Financial/Fiscal Officer
FERS — Federal Employees Retirement System
EAO — Executive and Administrative Office
NRV — Net recoverable value
OES — Occupational Employment Statistics
TIFF — Tagged Interface File Format
TAC — Technology Assessment Committee
CBA — Controlled Business Arrangement
USD — US Dollars
MW — minimum weight
TL — Time & Labor
BCBS — Blue Cross/Blue Shield
GST — Generation-Skipping Transfer
ICDAIT — International Conference on Drug Abuse and Illicit Trafficing
SSARS — Statement on Standards for Accounting and Review Services
CDARS — Certificate of Account Registry Service
OEBS — Office of Employee Benefits Security
POB — Public Oversights Board
ESOT — Employee Stock Ownership and Trust
ATP — Acquisition Training Program
STSFCTN — Satisfaction
OIS — Occupations Information System
COSG — Collaborative Opportunities Steering Group
MSFW — Migrant and Seasonal Farm Worker
SST — Streamline Sales and Use Tax Agreement
CFPB — Consumer Finance Protection Bureau
PKO — Peace-Keeping Operation
PUT — Persons Using Television
HTTP — Hyper Text Transport Protocol
WPRO — Western Pacific Regional Office
IPECILO — International Programme for the Elimination of Child Labour
PDA — Public Displays of Affection
EBS — Employee Benefits Security
NAP — Noninsured Crop Disaster Assistance Program
BAT — Bureau of Apprenticeship and Training
KFOR — UN Kosovo Force
COFI — Committee on Fisheries
FABS — Financial and Business Solutions
GAS — Governmental Accounting Standards
BA — Business Architecture
SFO — Solicitatio for offers
WCB — Workers Compensation Board
CI — Control Item
CVE — Center for Verification and Evaluation
EHLP — Emergency Homeowners Loan Program
GPRS — General Packet Radio System
USCIS — US Citizenship and Immigration Services
UNMOGIP — United Nations Military Observer Group In India & Pakistan
PBM — Pharmacy Benefits Management (or Manager)
POP — Point-of-purchase

DBIA — Database Integration Agreement
GEMS — Global Environment Monitoring System
DUZ — Designated User
LOC — Letter of Comment
BKPR — Be Kind, Please Rewind
FELA — Federal Employment Liability Act
JSSA — Jury Selection and Service Act
QAIP — Quality Assurance and Improvement Plan
ASSE — American Society of Safety Engineers-Professional
I&A — Interest and amortization
EPRS — Emergency Preparedness and Response Section
EBX — Electronics Boutique X
WPPDA — Welfare and Pension Plan Disclosure Act
POD — Professional & Organizational Development
VPFC — Variable Prepaid Forward Contract
SSDI — Social Security Disability Indemnity
SEAROWHO — Regional Office for South-East Asia Region
FUA — Federal Unemployment Account
R&C — Reasonable and Customary
SUB — Supplemental Unemployment Benefit
IIST — United Nations University International Institute for Software Technology
DI — Debt instrument
AIR — Assumed Investment Rate
PL/PD — Personal liability/property damage
SCIN — Self-canceling installment note
IPI — Industrial Protection Index
FS — Forest Service (USDA)
QTD — Qualified Total Distribution
UNHSP — United Nations Human Settlements Programme
CSP — Certified Speaking Professional
IUR — Insured Unemployment Rates
CWSP — College Work-Study Program
VOC-REHAB — Vocational Rehabilitation
SRO — See Self-Regulatory Organization
FCA — Division for Finances, Control and Administration
INRA — United Nations University Institute for Natural Resources in Africa
SPFS — Special Programme for Food Security
WMU — World Maritime University
ERD — Emergency Response Division
UNGEGN — United Nations Group of Experts on Geographical Names
DDB — Deemed death benefit
T/B — Trial balance
BSAD — Baseline System Architecture Document
ODF — OpenDocument Format
UNMOVIC — United Nations Monitoring, Verification and Inspection Commission
MACC — Mine Action Coordination Centre
CCC — Cost Containment Center
FSA — Flexible Spending Arrangement
ASB — Auditing Standards Board's
NOLD — Net Operating Loss Deduction

UNOV — United Nations Office at Vienna
RA — Resident Alien
UNMO — United Nations Military Observers
BRSP — Bureau for Resources and Strategic Planning
BOY — Beginning of Year Violator
TRD — Trade Relations Division
UNIS — United Nations Information Service
CO — Contracting Officer
UNMIK — United Nations Interim Administration Mission in Kosovo
A/O — Administrative Offices
PCB — Programme Coordination Board
TPD — Third-party designee
ETR — United Nations Education and Training Programme
BB — Base Benefits
CFP — Clinical Financial Planner
NVCA — National Venture Captial Association
HRC — Health Resource Center
MF — Medical Facilities
NDNH — National Directory New Hires
SPDC — Special Political and Decolonization Committee
ATNOL — Alternative Minimum Tax Net Operating Loss
WDC — Workforce Development Center
BIMS — Business Information Management Suite
OAR — Overall Rate Of Return
EIA — Equity Indexed Annuity
DBM — Disruptive Behavior Management
BRM — Business Relationship Meeting
HR — Headquarters Regulation
FCIC — Financial Crisis Inquiry Commission
FMSHA — Federal Mine and Safety Health Act
IAG — International Advisory Group
INWEH — United Nations University International Network on Water, Environment and Health
DESA — Department of Economic and Social Affairs
DOBI — Department of Defense Instruction
CUNA — Credit Union National Assocation
KFC — Kentucy Fried Chicken
AIMS — Advertising and Integrated Marketing Solutions
OASI — Old Age Survivors Insurance
HDRO — Human Development Report Office
UNTAG — United Nations Transition Assistance Group
UNPA — United Nations Protected Area
VRP — Variable Rate Premium
EMROWHO — Regional Office for the Eastern Mediterranean
LAUS — Local Area Unemployment Statistics
HRIS — Human Resources Information Service
DEC — Deductible voluntary employee contributions
UNOB — United Nations Office in Burundi
SGML — Standard Generalised Markup Language
PL — Profit and Loss
UNTPDC — United NationsTrade Point Development Centre

WCC — Working capital cycle
EAT — Exchange Accommodation Titleholder
IMFL — Indian-Made Foreign Liquor
UNMEE — United Nations Mission in Ethiopia and Eritrea
CONGO — Conference on Non-Governmental Organizations
VOC-ED — Vocational Education
K/A — Known as
USENET — USEr NETwork
AR — Architecture Requirements
UNSF — United Nations Security Force in West New Guinea
JEEP — Joint Ethics Enforcement Plan
DSRSG — Deputy Special Representative of the Secretary-General
NOIDA — New Okhla Industrial Development Authority
SLOB — Separate lines of business
HRC — Historic Rehabilitation Credit
CPS — Core Products and Services
HUDCO — Housing and Urban Development Corporation Limited
SBO — Small Business Ombudsman
LTC — Long-Term Care
UNFIP — United Nations Fund for International Partnerships
LTI — Lead Time Interval
ERCI — Employee Relocation Council Institute
IAS — United Nations University Institute of Advanced Studies
CRA — Credit Rating Agency
CSCIS — Computer Software Configuration Items
NABE — National Association for Business Economics
HUT — Households Using Television
SEES — Survey Evaluation Exam System
TDB — Trade and Development Board
VCL — Vacancy and collection losses
NTFO — Nationwide Tax Forums Online
NR — Not Rated
PCNICC — Preparatory Commission for the International Criminal Court
ITEAM — Information Technology Enterprise Architecture Management
GAP — Gross amount paid
NVSBE — National Veterans Small Business Engagement
CCSQ(PROG) — Consultative Committee on Substantive Questions (Programme Matters)
CCS — Care Coordination Services
PDM — Program Decision Maker
AFROWHO — Regional Office for Africa
SLSMN — Salesman
BLESS — Borrowing and Lending Securities Schemes
HAC — Health Administration Center
NIB — New In the Box
NYMEX — New York Metal Exchange
POPIN — United Nations Population Information Network
UNMA — United Nations Mission in Angola
CIFR — Committee on Improvements to Financial Reporting
MFST — Manifest
HOW — Homeowner Warranty Plan

HB — House B ill
DSA — Disaster Debt Set-Aside Program
NBIA — National Business Incumbation Association
N/P — Note payable
MINX — Multimedia Information Network Exchange (system)
WRHSE — Warehouse
LOW — Lack of Work
NRET — Non-Resident Withholding Tax
UNAT — United Nations Administrative Tribunal
COAG — Committee on Agriculture
OHR — Office of Human Resources
NBER — National Bureau of Economic Research
SWA — State Workforce Agencies
XUL — eXtensible UserInterface Language
UNIS — United Nations International School
EDP — Employee Development Plan
NAWW — National Average Weekly Wages
JPAC — Joint Public Advisory Committee
OTR — Office of Thrift Supervision
CSO — Cyber Security Office
CCP — Collateralized commercial paper
PEPPRA — Public Employee Pension Plan. Reporting and Accountability Act
MRAM — Magnetic Random Access Memory
NST — National Sales Tax
CCR — Central Contracting Registry
POS — Point-of-sale
EMA — Expense Management Automation
RE — Residual Earnings
PIRG — Public Interest Research Group
CBD — Chief Benefits Director
UNCPCJP — United Nations Crime Prevention and Criminal Justice Programme
UNPA — United Nations Postal Administration
SEBI — Securities Exchange Board of India
SEI — Software Engineering and Integration
QCR — Quarterly Contributions Report
BKPR — Bookeeper
NCAER — National Council for Applied Economic Research
GEO — Global Environment Outlook Report
FTR — family tracing and reintegration
LA — Labor Area
UNPOB — United Nations Political Office in Bougainville
UNYOM — United Nations Yemen Observation Mission
CBC — Community Based Outpatient Clinic
B&P — Budgeting & planning
MDA — Market development funds
SVNGS — Savings
SUTCDC — Special Unit for Technical Cooperation Among Developing Countries
OALC — Office of Acquisition, Logistics, and Construction
MGIC — Mortgage Guarantee Insurance Company
HPS — Headquarters Procurement Section

NSDL — National Securities Depository Limited
SSM — Software Service Manager
UNDC — United Nations Disarmament Commission
UNASOG — United Nations Aouzou Strip Observer Group
TARP — Troubled Assets Relief Program
UNRRA — United Nations Relief and Rehabilitation Agency
ZBA — Zero-Balance Account
SOS — Switched On Schoolhouse
SIPA — Securities Investment Protection Act
NSTA — National Securities Trade Association
SPD — Division for Special Programmes Development
PPBD — Programme Planning and Budget Division
UNTSO — United Nations Truce Supervision Organization
NVC — National Veterans Conference
WOSB — Woman-Owned Small Business
NBB — New Belgium Brewery
UNMOP — United Nations Mission of Observers in Prevlaka
EFAST — ERISA Filing Acceptance System
BEST — BrihnanMumbai Electric Supply and Transport
BPO — Budget process outsourcing
SYD — Sum-of-the-years-digits
UNJSPB — United Nations Joint Staff Pension Board
UNSMA — United Nations Special Mission to Afghanistan
WOTC — Workforce Opportunity Tax Credit
UNON — United Nations Office at Nairobi
SJ — Sales Journal
HEA — Health Enterprise Architecture
PH.D. — Doctorate Of Philosophy
BIMST-EC — Bangladesh India Myanmar Srilanka Thailand - Economic Council
NQPS — Nonqualified preferred stock
ECU — Emergency Coordination Unit
SE — Salaried Exempt
HEP — Humanitarian Evacuation Programme
OUSG — Office of the Under Secretary General
SEPPAA — Single Employer Pension Plan Amendments Act
SECL — Secretarial
HMO — Health Maintenance Organisation
SYSTEM — Save YourSelf Time, Engergy, and Money (as reported by www.just15minutes.com)
SIU — Sets In Use
EBO — Equity buy out
COD — Country Operations Division
TEA — Transportation Efficiency Act
CPTAL — Capital
CSBU — Center for Small Business Utilization
LT — Lost Time
SOIR — Schaeffer Open Interest Ratio
UNDOC — United Nations Documents Index
COFO — Committee on Forestry
SOYD — Sum-of-the-years-digits
CCA — Consolidated Contracting Activity

ICE — Internal control evaluation
UNAMA — United Nations Assistance Mission to Afghanistan
TSB — Targeted Small Business
UNPAAERD — United Nations Programme of Action for African Economic Recovery and Development
INTECH — United Nations University Institute for New Technologies
DC — Developed Countries
PPIP — Public-Private Investment Program
SARD — Sustainable Agriculture and Rural Development
CORBAIIOP — CORBA Internet Inter ORB Protocol
RRM — Renegotiated-Rate Mortgage
UNGIWG — United Nations Geographic Information Working Group
UNIKOM — United Nations Iraq-Kuwait Observation Mission
CSI — Commissioners Standard Industrial Mortality Table
NTU — National Taxpayer's Union
NAHB — NATIONAL ASSOCIATION OF HOMEBUILDERS
WBC — Women Business Center
GLSO — Group Legal Services Organization
CORTS — Corporate-backed trust securities
PWD — Prevailing Wage Determination
MAT — Minimum Alternative Tax
UNROAP — United Nations Regional Office for Asia and the Pacific
ITC — International Training Centre
IPDC — International Programme for the Development of Communications
VETS — Veteran's Employment & Training Service
TP — Technical Proposal
ICDB — International Childrens' Day of Broadcasting
SBLC — Small Business Legislative Council
IM/DQ — Identity Management/Data Quality
RMA — Restricted management account
SOPAC — South Pacific group of countries
STD — Short-term Insurance
LTD. — Limited
VAAR — Department of Veterans Affairs Acquisition Regulation
LBO — Limited Buyout
CSE — Customer Service Environment
CPK — Cost Per Keyword
CSD — Commission for Social Development
YSP — Yield-spread premium
STW — School-To-Work
VACO — VA Central Office
CARDS — Custom Adjustable Rate Debt Structure
UNSC — United Nations Staff College
VWPT — Value Weighted Price Trading
WST — Waste Spare Time
PAHO — Pan American Health Office/Regional Office for the Americas of the WHO
FAS — Finance and Accounting System
ROLAC — Regional Office for Latin America and the Carribean
CCSQ(OPS) — Consultative Committee on Substantive Questions (Operational Activities)
PFA — Platform for Action
PATS — Planning, Architecture, Technology and Services

VAMC — Va medical center
WGEID — United Nations Working Group on Enforced or Involuntary Disappearances
ECLAC — Economic Commission for Latin America and the Carebbean
UMTS — Universal Mobile Telephone System
UNOMA — United Nations Observer Mission in Angola
CC — Copy To
D/N — Demand note
CFTA — Currency and Foreign Transaction Act
ND — Network Director
ICFY — International Conference on the Former Yugoslavia
SIA — Securities Industry Act of 1983
D&F — Determination & Finding
POP — Premium-Only Plan
UNFSTD — United Nations Fund for Science and Technology for Development
ECS — Enterprise Class Storage
STCG — Short-Term Capital Gain
XRA — Expected Retirement Age
TPA — Technical Practice Aide
PSR — Presentence report
USITC — U.S. International Trade Commission
IMF — International Monitary Fund
NHCE — Non-Highly Compensated Employee
BAB — Build America Bonds
SMF/LDC — Special Measures Fund for the Least Developed Countries
CCAQ(FB) — Consultative Committee on Administrative Questions (Financial and Budgetary Questions)
PBSI — Performance Based Salary Increase
CIMO — Commission for Methods of Observation
TRD — Transfer of Development
LTP — Long-Term Plan
CLO — Collaterialized loan obligation
SMP — Special Multiperil Policy
C&P — Compensation & Pension
HST — Health Statistics
ITARP — IT Activity Resource Proposal
WCDMP — World Climate Data and Monitoring Programme
ORD — Office Of Research And Development (USEPA)
UN-NADAF — United Nations New Agenda for the Development of Africa in the 1990s
CCPISA — Convention on the Privileges and Immunities of the Specialized Agencies
ULC — Uniform Law Commissioners
SP — Strategic Plan
CIM — Corporate Information Model
UB — Unsafe Buildings
COMP. — Item given for free
UNARDOL — United Nations Assistance for the Reconstruction and Development of Lebanon
IPO — Incorporated to Provide
JIU — Joint Inspection Union
WST — Waste Systems and Transportation
NC — National Cemetery
UNRCPDA — United Nations Regional Centre for Peace and Disarmament in Africa
PIP — Peace Implementation Programme

QWI — Quarterly Workforce Indicators
MVI — Mini Vacations Incorporated
CDP — Committee for Development Policy
UNROD — United Nations Relief Operation in Dacca
IMC — Integrated Market Communications
SBL — Small Business Liaisons
CATS — Certificate of accrual on Treasury securities
WARN — Worker Adjustment and Retraining Notification Act W&M
FOIA — Freedome of Information Act
DRM — Division for Resources Mobilization
UNGCI — United Nations Guards Contingent in Iraq
SFI — Six-Figure Income
SCP — Sustainable Cities Programme
GTC — Good Till Canceled Order
UNPF — United Nations Peace-Force
DME — Development/Maintenance/Enhancement
TOE — Time is of the essence
WHOL. — Wholesale
OHRM — Office of Human Resources Management
VBOP — Veterans Business Outreach Centers
CCD — Centralized Contracting Division
CPR — Committee of Permanent Representatives
R/E — Real estate
UNICC — United Nations International Computer Centre
FROI — First Report of Injury
PCPB — Post-Conflict Peace-Building
PCA — Permanent Court of Arbitration
B/A — Basic Agreement
UR — Unemployment Rate
UNICPO — United Nations Open-ended Informal Consultative Process on Ocean Affairs
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