ACAMS
Today
Style Guide2024

By following these guidelines, ACAMS canensure consistency that will result in a timely
and informational publication for our readers.

Contributors’ Guidelines

Table of Contents

A...............................................................................................................................................................
ACADEMIC DEGREESACAMSACAMS ADVANCED AML AUDIT CERTIFICATION (CAMS-AUDIT)

ACAMS ADVANCED FINANCIAL CRIMES INVESTIGATIONS CERTIFICATION (CAMS-FCI)ACKNOWLEDGMENT
ACRONYM
ACTAKA

ANTI-FINANCIAL CRIME (AFC)ANTI-MONEY LAUNDERING/BANK SECRECY ACT (AML/BSA)
ANTI-MONEY LAUNDERING ACT OF 2020 (AMLA)
ANTI-MONEY LAUNDERING DIRECTIVE (AMLD)APOSTROPHEAPPLICATION PROGRAMMING INTERFACE (API)ASIAN

AUSTRALIAN TRANSACTION REPORTS AND ANALYSIS CENTRE (AUSTRAC)
AWARDS

B ................................................................................................................................................................
BANK SECRECY ACT (BSA)BIBLE
BITCOIN

BLACK MARKET PESO EXCHANGE (BMPE)
BOX-TICKING
BRACKETS
BULLET POINTSBUREAU
BYLAW
BYLINE

C……………………………………………………………………………………………………………………..
CANCELEDCANCELINGCANNOTCAPTAGON

CASH-INTENSIVE BUSINESSES
CASH-OUT

CASH-OUT LIMITSCATCH-22

CDD FINAL RULE
CENSUSCENTRAL BANK DIGITAL CURRENCY (CBDC)CENTURYCERTIFIED ANTI-MONEY LAUNDERING SPECIALIST (CAMS)

CERTIFIED CRYPTOASSET ANTI-FINANCIAL CRIME SPECIALIST (CCAS)
CERTIFIED AML FINTECH COMPLIANCE ASSOCIATE (CAFCA)
CLEARING HOUSE(S)CLIFFS NOTESCOLD WAR
COLON
COMBATINGCOMMACOMMINGLE
COMMITTEECOMPOSITION TITLESCONGRESSCONTRACTIONSCORPORATE TRANSPARENCY ACT (CTA)
COUNTER-TERRORIST FINANCING (CTF)
CRIMINAL LAW DIRECTIVE
CROWDFUNDING
CROWDSOURCINGCRYPTO-ASSETSCRYPTO FINANCE
CRYPTOCURRENCY
CURRENCY

CURRENCY TRANSACTION REPORT (CTR)

CUSTOMER IDENTIFICATION PROCEDURE (CIP)CYBERATTACK(S)CYBER-ATTACKEDCYBER-ATTACKER

CYBERATTACKINGCYBERCOPSCYBERCRIMECYBERCRIMINALSCYBER-ENABLEDCYBER-EVENTSCYBER FRAUDCYBERSECURITYCYBERSPACECYBERTERRORISMCYBERTERRORISTCYBERTHEFTCYBERTHIEVESCYBERTHREAT(S)D ..................................................................................................................................................
DARK WEB
DATA
DATES

DAY-TO-DAY

DECISION-MAKER

DECISION-MAKING
DEVELOPING NATIONSE ....................................................................................................................................................
E-BOOK

E-GOLD
EMAIL

EM-DASH
EMPHASIS ADDEDENTERPRISE-WIDEENVIRONMENTAL, SOCIAL AND GOVERNANCE (ESG)
EUROPEAN UNIONEXECUTIVE BRANCH

F ....................................................................................................................................................
FAÇADEFACE TO FACEFARC
FATF RECOMMENDATIONSFEDERAL
FIFTH AML DIRECTIVEFINANCIAL INSTITUTIONS (FIS)FINANCIAL INTELLIGENCE UNIT (FIU)

FINANCIAL CRIMES ENFORCEMENT NETWORK (FINCEN)
FINTECHFOOTNOTESFOREIGN TERRORIST FIGHTERS (FTFS)FOREIGN WORDSFORMAL TITLESFOUNDING FATHERSFOURTH AML DIRECTIVEFRONT LINE

G .................................................................................................................................................
GENERAL DATA PROTECTION REGULATION (GDPR)
GOVERNMENTGRAPHICSGREY LISTGROUNDBREAKINGTHE GUARDIAN

H...................................................................................................................................................
HEADLINESHEALTH CAREHEAT MAP(S)HEZBOLLAH

HIGH INTENSITY DRUG TRAFFICKING AREA (HIDTA)
HIGH-RISKHIGHER RISKHUMAN TRAFFICKING

I ......................................................................................................................................................
IDIOMSIMMIGRANTINTERNETINQUIREISLAMIC STATE GROUP
IT

K ...................................................................................................................................................
KNOW YOUR CUSTOMER

L…………………………………………………………………………………………………………
LABOR-INTENSIVELAW ENFORCEMENTLEAGUE OF NATIONSLOGINLOOK-BACKS

M .................................................................................................................................................
MONEY
MONEYVALMONEY LAUNDERING REPORTING OFFICER (MLRO)
MONEY SERVICES BUSINESS (MSB)
MULTI-

MUST-HAVE(S)MUTUAL EVALUATION REPORT (MER)
MYRIADN ..................................................................................................................................................
NATIONAL SLAVERY AND HUMAN TRAFFICKING AWARENESS MONTH
NATIONWIDENATONERVE-WRACKINGNONCOMPLIANCE

NON-FUNGIBLE TOKENSNONGOVERNMENTALNONPROFITNONRESIDENTNUMBERSO .................................................................................................................................................
OFAC’S 50 PERCENT RULE

OFFICE OF FOREIGN ASSETS CONTROL (OFAC)
OLD-FASHIONED

ORGANIZATIONS AND INSTITUTIONSORGANIZED CRIME DRUG ENFORCEMENT TASK FORCES (OCDETF)
OSAMA BIN LADENOVERREPRESENTING

P....................................................................................................................................................
PARENTHESESPASSPORT
PASTORPEOPLE/PERSONSPERCENTAGESPODCASTS
POLICYMAKERS

POLITICALLY EXPOSED PERSON (PEP)
PREFIXESPROGRAMMING

R ...................................................................................................................................................
RECORD KEEPINGREGULATORY TECHNOLOGY (REGTECH)RISK-BASED APPROACH (RBA)
ROAD MAP(S)ROBOTIC PROCESS AUTOMATION (RPA)
ROLLOUT

RULE-BASEDS ....................................................................................................................................................
SIDE BY SIDE/SIDE-BY-SIDE
SIXTH AML DIRECTIVESKILLSETS
SMASH AND GRAB
SOUTH FLORIDA

SPECIALLY DESIGNATED NATIONALS (SDN) LISTSTAND-ALONESTATESTATEWIDE

STEP BY STEP/ STEP-BY-STEPSTORED VALUE CARD
SUNSHINE STATESUSPICIOUS ACTIVITY MONITORING (SAM)
SUSPICIOUS ACTIVITY REPORT (SAR)

SUSPICIOUS TRANSACTION REPORT (STR)

T.....................................................................................................................................................
TERRORIST CONTENT ONLINE (TCO) REGULATIONTHEREFOR, THEREFORE
THIRDHAND
TIME
TIME FRAME
TITLESTOWARDTRADE-BASED MONEY LAUNDERING (TBML)U ...................................................................................................................................................
UNDER SECRETARY
UNDOCUMENTED
UNITED ARAB EMIRATESUNITED NATIONSUNITED KINGDOMUNITED STATES

U.S. CABINET DEPARTMENTS
UNSUSPECTING
UP-TO-DATE

USA PATRIOT ACT

V ..................................................................................................................................................
VIRTUAL ASSET SERVICE PROVIDER (VASP)W .................................................................................................................................................
WATCHLIST(S)WEB
WEBSITEWELL
WESTERN
WHITEBOARD
WHITE HOUSE
WHITE PAPER
WITHDRAWWITHDRAWAL

WORKING GROUPS(S)WORLDWIDEY...................................................................................................................................................

YEARS

A
academic degrees

Lowercase degree if it is followed by the area of focus. For instance: “a master's degree
in criminal justice.” If it does not follow the area of focus, capitalize the degree. For
instance: Master of Science.

ACAMS

Just ACAMS, do not spell out acronym.

ACAMS Advanced AML Audit Certification (CAMS-Audit)
ACAMS Advanced Financial Crimes Investigations Certification (CAMS-FCI)
acknowledgment
acronymAcronyms should be defined. Format: Term spelled out (acronym in parenthesis). Do notplace the acronym in quotations. Your article should continue to use only the acronym,
once the term is already first introduced. No need to define acronyms if they are onlyused once in an article.

Act

Capitalize act when it is part of the name for a pending or implemented legislation: theTaft-Hartley Act.

aka
anti-financial crime (AFC)anti-money laundering/Bank Secrecy Act (AML/BSA)
Anti-Money Laundering Act of 2020 (AMLA)
Anti-Money Laundering Directive (AMLD)

Spell out upon first reference. Each directive can be abbreviated upon second
reference. For example: “The European Union’s Fifth Anti-Money Laundering Directive(5AMLD)”

apostrophe (‘)

PLURAL NOUNS NOT ENDING IN S: The alumni’s contributions, women’s rights.
PLURAL NOUNS ENDING IN S: Add only an apostrophe: the churches’ needs, the girls’
toys, the horses’ food, etc.

NOUNS PLURAL IN FORM, SINGULAR IN MEANING: Only add an apostrophe: General
Motors’ profits, the United States’ wealth, etc.
SINGULAR NOUNS NOT ENDING IN S: Add ‘s. The church’s needs, the girl’s toys, thehorse’s food, the ship’s route, the VIP’s seat.
SINGULAR PROPER NAMES ENDING IN S: Only add an apostrophe: Achilles’ heel, Agnes’
book, Hercules’ labors, Moses’ law.

application programming interface (API)Asian, Asiatic

Use Asian or Asians when referring to people. Some Asians regard Asiatic as offensive
when applied to people.

Australian Transaction Reports and Analysis Centre (AUSTRAC)
AwardsCapitalize and italicize award names. For instance: ACAMS Today Article of the YearAward.

B
Bank Secrecy Act (BSA)
Bible

Capitalize, without quotation marks. Lowercase bible as a nonreligious term: My
dictionary is my bible.

Bitcoin

Capitalize when referring to Bitcoin as a system, but lowercase when referring to its use
as a form of payment. The government wants to regulate Bitcoin. He bought a vacuum
cleaner online using bitcoins.

Black Market Peso Exchange (BMPE)
box-ticking
brackets

Square brackets should be used for interpolations in direct quotations: “Let them [thepoor] eat cake.” They may also be used to break up a point within a parenthesis.

bullet points

If the bullet point is a complete sentence, end it in a period and capitalize the first letterof the first word. If it is a fragment, capitalize the first letter of the first word but do not
end it with a period.

bureauCapitalize when part of a formal name for an organization or agency (ex., the Bureauof Labor Statistics). Lowercase when used alone.

bylaw
bylineBylines are placed at the end of the article. They should be written as follows:••

Print: first name and last name, CAMS (if you have this designation), title,company, state or province (abbreviation), country, email address, Twitter
and/or Instagram.
Online: first name and last name, CAMS (if you have this designation), title,company, state or province (abbreviation), country, email address, Twitter,
Instagram and LinkedIn.

C
Certified Anti-Money Laundering Specialist (CAMS)
Certified Cryptoasset Anti-Financial Crime Specialist (CCAS)
Certified AML FinTech Compliance Associate (CAFCA)
canceled
cancelingcannotCaptagon

Always capitalize.

cash-intensive businesses
cash-out
cash-out limits
Catch-22

CDD Final Rule

Capitalize “Rule” when referring to the CDD Final Rule.

censusCapitalize only in specific references to the U.S. Census Bureau. Lowercase in otheruses: The census data was released Tuesday.

central bank digital currency (CBDC)
century Lowercase and spell out numbers less than 10: the first century, the 20th

century. For proper names, follow the organization’s practice: 20th Century Fox,
Twentieth Century Fund.

clearing house(s)Cliffs Notes
Cold Warcolon

Capitalize the first word after a colon if it is a proper noun or the start of a complete
sentence. (Ex., “He promised this: The company will make good all the losses,” or “There
were three considerations: expense, time and feasibility”).

combatingcomma

Do not add a comma before the concluding conjunction. For instance: “I have a dog,
cat, bird, rabbit and a duck.”

commingle
committee

Capitalize when part of a formal name: the House Appropriation Committee. Do not
capitalize committee in shortened versions of long committee names, for example: theappropriation committee.

composition titles

Italicize all magazines, newspapers, reference books, books, films, TV shows, art,
speeches, conferences, etc. Article titles and thesis titles should be in quotes. For namesof laws, capitalize all words in a title except articles.

Congress
contractions

Do not use contractions. For instance, spell out the words: can’t, don’t, won’t, haven’t,
etc. Only use contractions if there is a contraction within a quote used.

Corporate Transparency Act (CTA)

counter-terrorist financing (CTF)

Use counter-terrorist financing (CTF) or combating the financing of terrorism (CFT).

Criminal Law Directive
Directive on combating money laundering by criminal law EU 1673/2018, frequently
referred to in the industry as the 6AMLD.

crowdfunding
crowdsourcing
crypto-assets
crypto financecryptocurrency
currency

Use the $ sign to report U.S. dollar amounts. For all other currencies, spell out the nameof the currency in parentheses followed by the equivalent in U.S dollars. For instance:“Japan approved a 1.8 trillion yen ($18 billion) extra…” When it comes to euros, writeout “euros” instead of the euro symbol. When dealing with a dollar currency of acountry other than the U.S., use the following abbreviations before the amount: AU$(Australian dollars), CA$ (Canadian dollars), SG$ (Singapore dollars), NZ$ (New Zealanddollars), HK$ (Hong Kong dollars), NT$ (New Taiwan dollars), ZW$ (Zimbabwe dollars).

currency transaction report (CTR)
customer identification procedure (CIP)
cyberattack(s)cyber-attacked
cyber-attacker
cyberattacking
cybercops
cybercrime
cybercriminals
cyber-enabledcyber-events
cyber fraudcybersecurity
cyberspacecyberterrorism
cyberterrorist
cybertheftcyberthieves
cyberthreat(s)Ddata

The word typically takes singular verbs and pronouns when writing for generalaudiences and in data journalism contexts: The data is sound.

dates

If it is referencing a paper written by an international government agency use: day,month, year. Other than this, use the preferred style: month, day, year. In addition,
always use Arabic figures without: st, nd, rd, th.

day-to-day
decision-makerdecision-making
developing nations

Avoid use of the term third world countries and third countries. Developing nations ismore appropriate when referring to the economically developing nations of Africa, Asiaand Latin America. Do not confuse with nonaligned, which is a political term.

Ee-booke-goldemail
em dash (—)

An em dash often demarcates a break of thought. Em dashes can be used in place ofcommas to enhance readability.

emphasis added

If you are italicizing a particular word or sentence within a quote (in order to emphasizeit), write emphasis added in brackets. For instance: “The dog went to the park andfound the missing toy [Emphasis added].”enterprise-wide
environmental, social and governance (ESG)
European Union (EU)Use EU with no periods.

executive branch
Always lowercase.

F
façadeface to face

Only hyphenate adjective before a noun.

FARC

First time FARC is introduced it should be listed as the Revolutionary Armed Forces ofColombia (FARC). On subsequent references it should be FARC and not the FARC.

FATF Recommendations

When referring to one of the FATF Recommendations, do not spell out the number. For
instance, instead of FATF Recommendation eight, use FATF Recommendation 8.

federalLowercase when used as an adjective to distinguish it from state, county, city, town or
private entities: federal assistance, federal court, the federal government, a federal
judge. Capitalize when used as part of a formal name: the Federal Trade Commission.

Fifth AML Directive (5AMLD)
financial institutions (FIs)

JPMorgan Chase & Co. (JPM), Bank of America Corp. (BAC), Citigroup Inc. (C), Wells
Fargo & Co. (WFC), Goldman Sachs Group Inc. (GS), MetLife Inc. (MET), Morgan Stanley(MS), etc. When using the acronym FI, it is preceded by “an” instead of “a.”financial intelligence unit (FIU)
Financial Crimes Enforcement Network (FinCEN)
fintechfootnotes
The footnote superscript should be placed after the punctuation mark. If it is a quoted
sentence, place the footnote after the quotation mark. However, if it is only defining asingle word in the sentence, the superscript footnote should be placed next to theword.
Citation rules are as follows: First name and last name, source title, and page number(s).
Web sources: First name and last name, “Title of the article,” Publishing organization orname of website, publication date and/or access date if available, URL.
Online magazines/newspapers: First name and last name, “title of article,” Name ofmagazine or newspaper in italics, publication date and/or access date if available,
URL.

foreign terrorist fighters (FTFs)
foreign words

Place foreign words in italics and provide an explanation. For instance: ad astra per
aspera, a Latin phrase meaning “to the stars through difficulty.”

formal titles

Only capitalize formal titles if they precede an individual’s name. For example: MayorJohn Sue or John Sue, mayor of…

Founding Fathers

Capitalize when referring to the creators of the U.S. Constitution.

Fourth AML Directive (4AMLD)
front line (n.) front-line (adj.)G
General Data Protection Regulation (GDPR)
government

Always lowercase, never abbreviate: the federal government, the state government,
the U.S. government.

graphics

When using graphics from other sources, add the source below as follows:
Source: First name and last name, source title, and page number(s).
Web sources: First name and last name, “Title of the article,” Publishing organization orname of website, publication date and/or access date if available, URL.

grey list
groundbreaking
The GuardianH
headlines

For print publication capitalize only the first word and any proper nouns. For web
publication use up-style: Capitalize the first letter of the first and last words and of allwords besides short (fewer than four letters) articles, conjunctions and prepositions.
Short verbs, nouns and adjectives are capitalized; for example, in There Will Be
Blood, (Be is capitalized because it is a verb).

health careheat map(s)HezbollahHigh Intensity Drug Trafficking Area (HIDTA)
high-risk
higher risk
human trafficking

Human trafficking should be lowercased unless it is the first word of a sentence. In
addition, the first time it is introduced write the word followed by: (HT).

I
idioms
Italicize idioms in text, e.g., when you want something done right, do it yourself

immigrant
Do not use “illegal immigrant.” Instead, use immigrants lacking permanent legal status.
In a headline, use of migrant(s) or immigrant(s) is acceptable as long as the context is
clear in the first few paragraphs of the story.

internetinquireIslamic State group
The group is abbreviated as IS. The UN refers to it as ISIL or as it is known by its Arabic
name Da’esh.

IT
IT is acceptable on all references.

K
know your customer (KYC)

L
labor-intensive
law enforcement (LE)
League of Nations
login
When referring to the credentials used to access an account, use login. When referringto the action of accessing an account as a verb, use log in.

look-backs

M
money

When referring to money, use numerals. For cents or amounts of $1 million or more, spell
the words cents, million, billion, trillion etc. Examples: $26.52, $100,200, $8 million, 6 cents.

money laundering reporting officer (MLRO)
money services business (MSB)

Also, MSB should be preceded by an and not a.

MONEYVAL
multi-

In general, do not use a hyphen with “multi.” For instance, multicolored, multilateral,
multimillion, multimillionaire.

must-have(s)mutual evaluation report (MER)
myriadThe word myriad is not followed by “of.” For example, “She encountered myriad
challenges in her search for employment.”

N
National Slavery and Human Trafficking Prevention Monthnationwide
NATO
The acronym is acceptable for all references to the North Atlantic Treaty Organization.

nerve-wracking
noncompliance
non-fungible tokens (NFTs)
nongovernmental
nonprofit
nonresident
numbers

Everything lower than 10 is spelled out. However, when starting a sentence with anumber, the number should always be spelled out.

O
OFAC’s 50 Percent Rule
OFAC’s 50 Percent Rule: When using the proper name, we will capitalize Percent andRule and spell out percent. When using only 50 percent, we will still spell out percent but
lowercase the p.

Office of Foreign Assets Control (OFAC)
old-fashioned
organizations and institutions
Capitalize the full names of organizations and institutions: the American Medical
Association; First Presbyterian Church; General Motors Co.; Harvard University, Harvard
University Medical School; the Procrastinators Club; the Society of Professional
Journalists.
Retain capitalization if Co., Corp. or a similar word is deleted from the full proper name:
General Motors.
Subsidiaries: Capitalize the names of major subdivisions: the Pontiac Motor Division ofGeneral Motors.
Internal elements: Use lowercase for internal elements of an organization when they
have names that are widely used generic terms: the board of directors of General
Motors, the board of trustees of Columbia University, the history department of Harvard
University, the sports department of the Daily Citizen-Leader.
Capitalize internal elements of an organization when they have names that are notwidely used generic terms: the General Assembly of the World Council of Churches, theHouse of Delegates of the American Medical Association, the House of Bishops andHouse of Deputies of the Episcopal Church.
Flip-flopped names: Retain capital letters when commonly accepted practice flops aname to delete the word of: Harvard School of Dental Medicine, Harvard Dental
School. Do not, however, flop formal names that are known to the public with the wordof: Massachusetts Institute of Technology, for example, not Massachusetts Technology
Institute.

Organized Crime Drug Enforcement Task Forces (OCDETF)
Osama bin LadenoverrepresentingPparentheses

When introducing a shortened form of a name, there is no need to use parentheses.
Just use the shortened form on later references. For example, refer to Chase Bank as just
Chase after the first reference.

passport
pastorLowercase “pastor.” Do not use pastor before an individual’s name. However, if itappears before a name in a quotation, capitalize it.

people/persons

Unless it is a direct quote, always use people instead of persons, except in the case ofpolitically exposed persons.

percentage

When writing percentages, write the number and use the percent symbol, with nospace. For example: 10%.

podcasts

Place quotation marks around podcast titles. For instance, listen to Kieran Beer’s
podcast, “Financial Crime Matters.”

policymakers
politically exposed person (PEP)

When referencing several, use politically exposed persons.

prefixes

Generally, we do not hyphenate when using a prefix with a word starting with aconsonant. But there are exceptions. Three rules are constant:— Use a hyphen if the prefix ends in a vowel and the word that follows begins withthe same vowel. Exceptions: cooperate, coordinate, and double-e
combinations such as preestablish, preeminent, preeclampsia, preempt.

— Use a hyphen if the word that follows is capitalized.
— Use a hyphen to join doubled prefixes: sub-subparagraph.

programmingR
record keeping
regulatory technology (regtech)risk-based approach (RBA)
road map(s)robotic process automation (RPA)
rollout (n.) roll-out (adj.)
rule-based

Not rules-basedSside by side/side-by-side
Use side by side if it is an adverb and side-by-side if it is an adjective.

Sixth AML Directive (6AMLD)
Directive on combating money laundering by criminal law EU 1673/2018, termcommonly used for the Criminal Law Directive.

skillsetssmash and grab

South Florida
Specially Designated Nationals (SDN) list
stand-alone (adj.)
state
Lowercase state and keep it lowercased in all state of constructions: the state of Maine,
the states of Maine and Vermont, etc.

statewide
step by step/step-by-step
Use step by step if it is an adverb and step-by-step if it is an adjective.

stored value card
Sunshine Statesuspicious activity monitoring (SAM)
suspicious activity report (SAR)
suspicious transaction report (STR)

T
Terrorist Content Online (TCO) regulation
therefor and therefore
Therefore means “for that reason,” “consequently,” or “thus,” whereas therefor without
the E just means “for that” or “for it.” Therefore example: Therefore, the Court found theevidence unconvincing. Therefor example: The applicant must submit the application
form and any supporting documentation therefor in two weeks' time.

thirdhandtime
Use figures except for noon and midnight. Use a colon to separate hours from minutes:
11 a.m., 1 p.m., 3:30 p.m., 9-11 a.m., 9 a.m. to 5 p.m.

time frame
Two words

titlesCapitalize titles if they are used directly before an individual’s name. For instance:
Executive Vice President Jane Smith. Lowercase the title if the name and the title are
set apart by commas: Jane Smith, executive vice president, said she loved theconference.

towardDo not use towards.

trade-based money laundering (TBML)U
UAEUse this abbreviation for United Arab Emirates upon second reference

U.N.

Use this abbreviation for United Nations.

under secretary
See titles.

U.K.
Use this abbreviation for United Kingdom.

undocumented

Avoid using “undocumented” when describing immigrants lacking legal status in the
U.S. Instead, use immigrants living in the U.S. without legal permission.

U.S.

Use this abbreviation for United States. The possessive is U.S.’ without an s at the end.

U.S. Cabinet departments

It is preferable to list the subject first in stories, such as the Agriculture Department

and Commerce Department. Exceptions are Department of Health and Human
Services, Department of Homeland Security, Department of Housing and Urban
Development, and Department of Veterans Affairs.

unsuspecting
up-to-date
USA PATRIOT Act

Refer to as PATRIOT Act on second referenceVvirtual service asset provider (VASP)

W
watchlist(s)webwebsitewell

Hyphenate well- combinations before a noun, but not after: a well-known judge,
but the judge is well known.

Westernwhiteboard
White House
Also capitalize White House officials.

white paper

withdraw (verb)
To remove (money) from a bank account; to take (something) back, so that it is nolonger available; to take back (someone that is spoken, offered, etc.). For example:
She withdrew $200 from her checking account or They have withdrawn the charges.
withdrawal (noun)
The act of withdrawing; the process of giving up a narcotic drug, typicallyaccompanied by distressing physical and mental effects. For example: The generalauthorized the withdrawal of troops from the fields or She experienced symptoms of
nicotine withdrawal after she quit smoking.

working group(s)worldwideY
Years
Use an s without an apostrophe to indicate spans of decades or centuries: the 1890s,
the 1800s. Always use figures when referring to a span of time, e.g., 1 to 2 years.