HB-1-3555

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Acronyms, Page 1 of 4

(03-09-16) SPECIAL PN

Revised (11-29-22) SPECIAL PN

ACRONYMS USED IN THIS HANDBOOK

ACRONYM DEFINITION

AAA American Association of Arbitrators

ATR/AQM Ability to Repay and Qualified Mortgage Rule

ADR Alternative Dispute Resolution

AQB Appraisal Qualification Board

ARM Adjustable Rate Mortgage

AUS Automated Underwriting System

BPO Brokers Price Opinion

CAIVRS Credit Alert Interactive Voice Response System

CBMC Community-Based Mediation Center

CBRA Coastal Barrier Resources Act

CD Certificate of Deposit

CFPB Consumer Financial Protection Bureau

CFR Code of Federal Regulations

CIS Citizenship and Immigration Services

COA Class of Admission

CRA Community Reinvestment Act

DCIA Debt Collection Improvement Act

DIL Deed-In-Lieu

DHS Department of Homeland Security

DOE Department of Education

DOJ Department of Justice
HB-1-3555

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Acronyms, Page 2 of 4

ECOA Equal Credit Opportunity Act

EDI Electronic Data Interchange

ENR Estimated Net Recovery

EPLS Excluded Parties List System

FCB Fiscal Control Branch

FCL Foreclosure

FCS Farm Credit System

FDIC Federal Deposit Insurance Corporation

FEMA Federal Emergency Management Agency

FHLB Federal Home Loan Bank

FHA Federal Housing Administration

FICA Federal Insurance Contribution Act

FMHCSS Federal Manufactured Home Construction and Safety Standards

FRCA Fair Credit Reporting Act

FSA Farm Services Agency

GLB Guaranteed Loan Branch

GLS Guaranteed Loan System

GRH Guaranteed Rural Housing

GUS Guaranteed Underwriting System

HMDA Home Mortgage Disclosure Act

HOA Homeowners Association

HUD Department of Housing and Urban Development

ID Identification

INA Immigration and Nationality Act

IRA Individual Retirement Account

IRS Internal Revenue Service

LTV Loan-to-Value

MMCR Multi-Merged Credit Report

MSA Metropolitan Statistical Area

NAD National Appeals Division
HB-1-3555

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Acronyms, Page 3 of 4

(03-09-16) SPECIAL PN

Revised (11-29-22) SPECIAL PN

NCUA National Credit Union Administration

NFAOC National Finance and Accounting Operations Center

NFIP National Flood Insurance Program

NTMCR Non-Traditional Mortgage Credit Report

OCC Office of the Comptroller of the Currency

OPA Original Principal Amount

PDF Portable Data File

PFGMH Permanent Foundations Guide for Manufactured Housing

PFCS Program Funds Control System

PFS Pre-Foreclosure Sale

P&L Profit-and-Loss Statement

PITI Principal Interest Taxes and Insurance

PMI Private Mortgage Insurance

PRWORA Personal Responsibility and Work Opportunity Reconciliation Act of 1996

PUD Planned Unit Development

QC Quality Control

REO Real Estate Owned

RESPA Real Estate Settlement Procedures Act

RHS Rural Housing Service

RMCR Residential Mortgage Credit Report

SAM System for Award Management

SAVE Systematic Alien Verification for Entitlements

SBA Small Business Administration

SFHA Special Flood Hazard Area

SFHGLP Single Family Housing Guaranteed Loan Program

SOW Statement of Work

SSN Social Security Number

TANF Temporary Assistance for Needy Families

TD Total Debt
HB-1-3555

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Acronyms, Page 4 of 4

TDD Telecommunications Device for the Deaf

TOTAL Technology Open to Approved Lenders

TPO Third Party Originator

UAD Uniform Appraisal Dataset

URLA Uniform Residential Loan Application

URAR Uniform Residential Appraisal Report

USDA U.S. Department of Agriculture

USPAP Uniform Standards of Professional Appraisal Practice

VA Department of Veterans Affairs