ACH – Automated Clearing House
APR – Annual Percentage Rate
APY – Annual Percentage Yield
ARD – Assistant Regional Director
ARCH – Assessment of Risk of Consumer Harm
ARM – Adjustable Rate Mortgage
ATM – Automated Teller Machine
BOD – Board of Directors
BPMI – Borrower–Paid Private Mortgage Insurance
CAA – Community Action Agencies
CAN–SPAM – Controlling the Assault of Non–Solicited Pornography and Marketing Act
CD – Community Development
CDC – Community Development Corporation
CDFI – Community Development Financial Institution
CFPB – Consumer Financial Protection Bureau
CFR – Code of Federal Regulations
CIDR – Compliance Information and Document Request
CLA – Consumer Leasing Act
CMP – Civil Money Penalty
CMS – Compliance Management System
COPPA – Children’s Online Privacy Protection Act
C–PREP – Compliance Pre–Examination Request Package
CRA – Community Reinvestment Act
CSA – Combined Statistical Area
CT – Census Tract
DCP – Division of Depositor and Consumer Protection
DOJ – Department of Justice
DPO – Deposit Production Office
DRD – Deputy Regional Director
E–SIGN – Electronic Signatures in Global and National Commerce Act
EBT – Electronic Benefits Transfer
EC – Economic Community
ECOA – Equal Credit Opportunity Act
EDA – Economic Development Administration
EDC – Economic Development Corporation
EFA – Expedited Funds Availability Act
EFTA – Electronic Fund Transfers Act
EIC – Examiner–In–Charge
EZ – Empowerment Zone
FC – Finance Charge
FCC – Federal Communications Commission
FCRA – Fair Credit Reporting Act
FDCPA – Fair Debt Collection Practices Act
FDPA – Flood Disaster Protection Act
FDI Act – Federal Deposit Insurance Act
FDIC – Federal Deposit Insurance Corporation
FEMA – Federal Emergency Management Agency
FFIEC – Federal Financial Institutions Examination Council
FHA – Federal Housing Administration
FHAct – Fair Housing Act
FHLB – Federal Home Loan Bank
FHLMC – Federal Home Loan Mortgage Company (Freddie Mac)
FIA – Federal Insurance Administration
FIAP – Formal and Informal Actions Procedures
FIMA – Federal Insurance and Mitigation Administration
FIRM – Flood Insurance Rate Map
FL – Fair Lending
FLSC – Fair Lending Scope and Conclusions Memorandum
FNMA – Federal National Mortgage Association (Fannie Mae)
FO – Field Office
FOCUS – Framework for the Oversight of Compliance and Community Reinvestment Act Activities User Suite
FOIA – Freedom of Information Act
FRB – Federal Reserve Board
FS – Field Supervisor a/k/a FOS – Field Office Supervisor
FTC – Federal Trade Commission
GENESYS – General Examination System
GFE – Good Faith Estimate
GLBA – Gramm–Leach–Bliley Act
GNMA – Government National Mortgage Association (Ginnie Mae)
HEOA – Higher Education Opportunity Act
HERA – Housing and Economic Recovery Act of 2008
HFIAA – Homeowner Flood Insurance Affordability Act
HMDA – Home Mortgage Disclosure Act
HOC – Homeownership Counseling Act
HOEPA – Home Ownership Equity Protection Act
HOPA – Homeowners Protection Act
HPML – Higher–Priced Mortgage Loan
HUD – Department of Housing and Urban Development
IAP – Institution Affiliated Party
IP – Pre–Examination Information Package
IBBEA – Interstate Banking and Branching Efficiency Act
IRA – Individual Retirement Account
IRS – Internal Revenue Service
ISB – Intermediate–Small Bank (CRA)
LAR – Loan/Application Register
LPMI – Lender–Paid Private Mortgage Insurance
LPO – Loan Production Office
LTD – Loan to Deposit Ratio
LTV – Loan to Value
MD – Metropolitan Division
MFI – Median Family Income
MICR – Magnetic Ink Character Recognition
MMDA – Money Market Demand Account
MOU – Memorandum of Understanding
MPPP – Mortgage Portfolio Protection Program
MSA – Metropolitan Statistical Area
MSD – Material Supervisory Determination
NASD – National Association of Securities Dealers
NCUA – National Credit Union Administration
NDP – Non–Deposit Products
NFIP – National Flood Insurance Program
NGEP – Non–governmental Entity or Person
NOW – Negotiable Order of Withdrawal
OCC – Office of the Comptroller of the Currency
ODP – Overdraft Program
OMBE – Office of Minority Enterprise
OREO – Other Real Estate Owned
OTS – Office of Thrift Supervision
PCCD – Preservation of Consumers’ Claims and Defenses
PE – Performance Evaluation
PEP – Pre–Examination Planning
PMI – Private Mortgage Insurance
POS – Point of Sale
PPFC – Prepaid Finance Charge
Q & As – Questions and Answers
RADD – Regional Automated Document Distribution
RCBAP – Residential Condominium Building Association Policy
RE – Review Examiner
RESPA – Real Estate Settlement Procedures Act
RFPA – Right to Financial Privacy Act
RMS – Division of Risk Management Supervision
RO – Regional Office
ROE – Report of Examination
SAFE – Secure and Fair Enforcement for Mortgage Licensing Act
SARC – Supervision Appeals Review Committee
SBA – Small Business Administration
SBCD – Small Business Development Center
SBIC – Small Business Investment Corporation
SCRA – Servicemembers Civil Relief Act
SE – Supervisory Examiner
SEC – Securities Exchange Commission
SFHA – Special Flood Hazard Area
SFHDF – Standard Flood Hazard Determination Form
SPCP – Special Purpose Credit Program
SSBIC – Specialized Small Business Investment Corporation
STARS – Specialized Tracking and Reporting Systems
TCPA – Telephone Consumer Protection Act
TILA – Truth in Lending Act
TISA – Truth in Savings Act
TPPP – Third Party Payment Processor
UBPR – Uniform Bank Performance Report
UDAAP – Unfair, Deceptive, or Abusive Acts or Practices
UDAP – Unfair or Deceptive Acts or Practices
USC – United States Code
VA – Department of Veterans Affairs
WYO – Write Your Own (policy)