| ABA |
American Bankers Association |
| ACB |
America's Community Bankers |
| ACH |
automated clearing house |
| AcSEC |
Accounting Standards Executive Committee (of the American Institute of Certified Public Accountants) |
| ACSSS |
American Council of State Savings Supervisors |
| ADC |
acquisition, development and construction (loan) |
| AF |
Appraisal Foundation |
| AFBA |
appropriate federal banking agency |
| AIBD |
Association of International Bond Dealers |
| AICPA |
American Institute of Certified Public Accountants |
| ALJ |
administrative law judge |
| ALLL |
allowance for loan and lease losses |
| AMMINET |
Automated Mortgage Market Information Network |
| ANPR |
advance notice of proposed rulemaking |
| APR |
annual percentage rate |
| ARD |
assistant regional director |
| ARM |
adjustable rate mortgage |
| ARP |
Accelerated Resolution Program |
| ASB |
Appraisal Standards Board |
| ASC |
all savers certificate |
| ATI |
alternative mortgage instrument |
| ATIP |
actual thrift investment percentage |
| ATM |
automated teller machine |
| ATS |
Applications Tracking System |
| BIF |
Bank Insurance Fund |
| BMA |
Bank Merger Act |
| C&D |
cease and desist (order) |
| CAMELS |
Capital, Assets, Management, Earnings, Liquidity, and Sensitivity to risk |
| CBO |
Congressional Budget Office |
| CBOE |
Chicago Board Options Exchange |
| CBOT |
Chicago Board of Trade |
| CD |
capital directive, or certificate of deposit |
| CDI |
core deposit intangibles |
| CEBA |
Competitive Equality Banking Act of 1987 |
| CEF |
continuing examination file |
| CEO |
chief executive officer |
| CFC |
Combined Federal Campaign |
| CFR |
Code of Federal Regulations |
| CFO |
chief financial officer |
| CFSA |
certified financial services auditor |
| CFTC |
Commodity Futures Trading Commission |
| CIIS |
Confidential Individual Information System |
| CMA |
consent merger agreement |
| CME |
Chicago Mercantile Exchange |
| CMO |
collateralized mortgage obligation |
| CMP |
civil money penalty |
| CMR |
consolidated maturity/rate |
| CMT |
Constant Maturity Treasury rate |
| COB |
close of business |
| COFI |
cost of funds index |
| COO |
chief operating officer |
| CPA |
certified public accountant |
| CPI |
Consumer Price Index |
| CRA |
Community Reinvestment Act |
| CSAC |
Credit Standards Advisory Committee |
| CSBS |
Conference of State Bank Supervisors |
| CTR |
certified thrift regulator |
| CUSIP |
Committee on Uniform Securities Identification Procedures |
| DAF |
director of agency functions |
| DIDC |
Depository Institutions Deregulation Committee |
| DIDRA |
Depository Institutions Disaster Relief Act of 1992 |
| D&O |
directors and officers |
| DOE |
director of examinations |
| DTHC |
diversified thrift holding company |
| EEO |
equal employment opportunity |
| EDP |
electronic data processing |
| EDS |
examination data system |
| EFTS |
electronic funds transfer system |
| EIC |
examiner in charge |
| EIFT |
Emerging Issues Task Force (of FASB) |
| EOD |
(date) entered on duty |
| EOP |
Examination Objectives and Procedures (former manual for thrift examiners) |
| ER/AM |
early resolution/assisted merger |
| ERI |
equity risk investment(s) |
| ERISA |
Employment Retirement Insurance Security Act |
| ESOP |
employee stock option plan |
| FADA |
Federal Asset Disposition Association |
| FASB |
Financial Accounting Standards Board |
| FCR |
federal compliance regulator |
| FDIC |
Federal Deposit Insurance Corporation |
| FDICIA |
Federal Deposit Insurance Corporation Improvement Act of 1991 |
| FED |
Federal Reserve Board (formal name: Board of Governors of the Federal Reserve System) |
| FEPCA |
Federal Employees Pay Comparability Act of 1990 |
| FF&E |
furniture, fixtures and equipment |
| FFIEC |
Federal Financial Institutions Examination Council |
| FHA |
Federal Housing Administration |
| FHFB |
Federal Housing Finance Board |
| FHLB |
Federal Home Loan Bank |
| FHLBB |
Federal Home Loan Bank Board |
| FHLBSYSTEM |
Federal Home Loan Bank System |
| FHLMC |
Federal Home Loan Mortgage Corporation |
| FICO |
Financing Corporation |
| FIFO |
first in, first out |
| FinCEN |
Financial Criminal Enforcement Network |
| FIRACRES |
Financial Institutions Regulatory Agencies Criminal Referral and Enforcement System |
| FIRREA |
Financial Institutions Reform, Recovery and Enforcement Act of 1989 |
| FISR |
federal information systems regulator |
| FLSA |
Fair Labor Standards Act |
| FM |
field manager |
| FmHA |
Farmers Home Administration |
| FNMA |
Federal National Mortgage Association |
| FRS |
Federal Reserve System |
| FSLAC |
Federal Savings and Loan Advisory Committee |
| FSLIC |
Federal Savings and Loan Insurance Corporation |
| FSLICAC |
Federal Savings and Loan Insurance Corporation Advisory Council |
| FSLICRF |
Federal Savings and Loan Insurance Corporation Resolution Fund |
| FTE |
full time equivalent |
| FTR |
federal thrift regulator |
| G&A |
general and administrative (expenses) |
| GAAP |
generally accepted accounting principles |
| GAAS |
generally accepted auditing standards |
| GAO |
General Accounting Office |
| GEM |
graduated-equity mortgage |
| GNMA |
Government National Mortgage Association |
| GNP |
gross national product |
| GPM |
graduated payment mortgage |
| GVA |
general valuation allowance |
| HLT |
highly leveraged transaction |
| HMDA |
Home Mortgage Disclosure Act |
| HOLA |
Home Owners' Loan Act |
| HOLC |
Home Owners' Loan Corporation |
| HUD |
Department of Housing and Urban Development |
| IADB |
Inter-American Development Bank |
|
|
| IBAA |
Independent Bankers Association of America |
| IBRD |
International Bank for Reconstruction and Development (The World Bank) |
| ICC |
income capital certificate |
| ICC |
Interstate Commerce Commission |
| ICR |
industry condition report |
| IMCR |
individual minimum capital requirement |
| IMF |
International Monetary Fund |
| IO |
interest only |
| IPO |
initial public offering |
| IRA |
individual retirement account |
| ISDA |
International Swap Dealers Association |
| LAR |
loan application register |
| LIBID |
London Interbank Bid Rate |
| LIBOR |
London Interbank Offered Rate |
| LIFFE |
London International Financial Futures Exchange |
| LIFO |
last in, first out |
| LOCOM |
lower of cost or market |
| MACRO |
Management, Asset quality, Capital adequacy, Risk management, and Operating results |
| MBS |
mortgage-backed security |
| MCC |
mutual capital certificate |
| MCP |
Management Consignment Program |
| MGIC |
Mortgage Guaranty Insurance Corporation |
| MHC |
mutual holding company |
| MIDS |
Merit Increase Decision System |
| MIS |
management information systems |
| MMDA |
money market deposit account |
| MOU |
memo of understanding |
| MSA |
metropolitan statistical area |
| MVPE |
market value of portfolio equity |
| NAAHL |
National Association of Affordable Housing Lenders |
| NAFSA |
National Association of Financial Services Auditors |
| NASAA |
North American Securities Administrators Association |
| NASD |
National Association of Securities Dealers |
|
|
| NASDAQ |
National Association of Securities Dealers Automated Quotations |
| NATS |
National Applications Tracking System |
| NAV |
net asset value |
| NCUA |
National Credit Union Administration |
| NETS |
New Examiner Training School (former name of NTRS) |
| NTRS |
New Thrift Regulator School |
| NHS |
Neighborhood Housing Services |
| NIC |
net interest cost |
| NIM |
net interest margin |
|
|
| NOC |
notice of charges |
| NOI |
net operating income |
| NOW |
negotiable order of withdrawal |
| NPR |
notice of proposed rulemaking |
| NPV |
net portfolio value |
| NRC |
Neighborhood Reinvestment Corporation |
| NRV |
net realizable value |
| NWC |
net worth certificate |
| NYCHA |
New York Clearing House Association |
| NYFE |
New York Futures Exchange |
| NYME |
New York Mercantile Exchange |
| NYSE |
New York Stock Exchange |
| OCC |
Office of the Comptroller of the Currency |
| OFHEO |
Office of Federal Housing Enterprise Oversight |
| OFIA |
Office of Financial Institution Adjudication |
| OMB |
Office of Management and Budget |
| OPM |
Office of Personnel Management |
| ORA |
Office of Regulatory Activities (former FHLBSystem office) |
| ORPOS |
Office of Regulatory Policy, Oversight and Supervision (former FHLBSystem office) |
| OTC |
over the counter |
| OTS |
Office of Thrift Supervision |
| PAC |
planned amortization class (of a CMO) |
| PAM |
pledged account mortgage |
| PC |
participation certificate |
| PCA |
prompt corrective action |
| PCCR |
purchased credit card relationships |
| PERK |
preliminary examination response kit |
| PI |
preliminary injunction |
| PIN |
personal identification number |
| PITI |
principal, interest, taxes and insurance |
| PLAM |
price-level-adjusted mortgage |
| PMI |
private mortgage insurance |
| PMSR |
purchased mortgage servicing rights |
| PO |
principal only |
| PPAS |
performance planning and appraisal system |
| PRC |
Policy Review Committee |
| PUD |
planned unit development |
| PVO |
privately owned vehicle |
| QTI |
qualified thrift investments |
| QTL |
qualified thrift lender |
| RAM |
reverse-annuity mortgage |
| R&P |
removal and prohibition (order) |
| RAP |
regulatory accounting practices |
| RD |
regional director |
| RDD |
regional deputy director |
| REFCORP |
Resolution Funding Corporation |
| REIT |
real estate investment trust |
| REMIC |
real estate mortgage investment conduit |
| REO |
real estate owned |
| RESPA |
Real Estate Settlement Procedures Act of 1974 |
| RFP |
request for proposal |
| RICO |
Racketeer-Influenced and Corrupt Organizations Act |
| ROA |
return on assets |
| ROE |
report of examination, or return on equity |
| RRM |
renegotiable rate mortgage |
| RTC |
Resolution Trust Corporation |
| RTCOB |
Resolution Trust Corporation Oversight Board |
| RTCRRIA |
Resolution Trust Corporation Refinancing, Restructuring, and Improvement Act of 1991 |
| SA |
supervisory agent |
| SACS |
supervisory action control system |
| SAIF |
Savings Association Insurance Fund |
| SAM |
shared appreciation mortgage |
| SBA |
Small Business Administration |
| SCD |
service computation date |
| SEA |
Securities Exchange Act of 1934 |
| SEC |
Securities and Exchange Commission |
| SFAS |
statement of financial accounting standards |
| SLMA |
Student Loan Marketing Association |
| SMSA |
standard metropolitan statistical area |
| SOC |
statement of condition |
| SOP |
statement of position, or standard operating procedure |
| SPC |
Supervisory Policy Committee |
| STARS |
Supervisory Training & Action, Research & Solutions (supervisory training school) |
| SVA |
specific valuation allowance |
| TARP |
Thrift Administration Review Program |
| TARS |
Time Activity Reporting System |
| TDPOB |
Thrift Depositor Protection Oversight Board |
| TFR |
Thrift Financial Report |
| TIES |
Thrift Information Exchange System |
| TIMS |
trusts for investment in mortgages |
| TRO |
temporary restraining order |
| TWA |
transactions with affiliates |
| UCC |
Uniform Commercial Code |
| USC |
United States Code |
| USPAP |
Uniform Standards of Professional Appraisal Practice |
| UTPR |
Uniform Thrift Performance Report |
| VA |
Veterans Administration |
| WI |
when issued
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