The names of hard to remember titles, departments, agencies and documents that challenge our recall.
Reference only – not a definitive list.
| ACRONYM | DEFINITION |
| AAC | Active Adult Community |
| AARMR | American Association of Residential Mortgage Regulators |
| APOR | Average Prime Offer Rate |
| APR | Annual Percentage Rate |
| ARMs | Adjustable-Rate Mortgage(s) |
| ATV | All Terrain Vehicles |
| AWWA | American Water Works Association |
| BCC | Berkeley County Council |
| BPH | Bureau for Public Health |
| BZA | Board of Zoning Appeals |
| CAI | Community Associations Institute |
| CC&R | Covenants, Conditions & Restrictions |
| CCOC | Commission on Common Ownership Communities |
| CCRC | Continuing Care Retirement Communities |
| CDA | Capacity Development Assessment |
| CDP | Drinking Water Capacity Development Program |
| CGL | Commercial General Liability |
| CIC | Common Interest Community (used by the National Conference of Commissioners on Uniforn State Laws) |
| CID | Common Interest Development |
| CIRA | Common Interest Realty Association |
| CIS | Community Impact Statement |
| Co-op | Residential Cooperative / Housing Cooperative |
| COA | Condominium Owners Association |
| CODI | Cancellation of Debt Income |
| CPE | Certificate of Proficiency in English e.g. CPE textbook |
| CFPB | Consumer Financial Protection Bureau |
| CUP | Conditional Use Permit |
| DCCR | Declaration of Covenants, Conditions and Restrictions |
| DCCRE | Declaration of Conditions, Covenants, Restrictions and Easements |
| DHHR | Department of Health and Human Resources |
| DOH | Department of Highways |
| DTI | Debt-to-Income |
| E&O | Errors & Omissions (insurance) |
| ECOA | Equal Credit Opportunity Act |
| DWTRF or SRF | Drinking Water Treatment Revolving Fund or State Revolving Fund |
| EED | Environmental Engineering Division |
| EESA | Emergency Economic Stabilization Act |
| EMF | Electric and Magnetic Fields, or electromagnetic field |
| EPA | [US] Environmental Protection Agency |
| EPHBA | Eastern Panhandle Home Builders Association |
| EPOHOA | Eastern Panhandle Organization of Homeowners Associations (formally JCOHOA) |
| FDIC | Federal Deposit Insurance Corporation |
| FEMA | Federal Emergency Management Agency |
| FERC | Federal Energy Regulatory Commission |
| FHFA | Federal Housing Finance Agency |
| FHLMC | Federal Home Loan Mortgage Corporation (Freddie Mac) |
| FICO | Fair Isaac Corporation- aka Credit Score and/or Credit Scoring System (measure of credit risk) |
| FNMA | Federal National Mortgage Association (Fannie Mae) |
| Ginnie Mae | Government National Mortgage Association |
| GSEs | Government Sponsored Enterprises (includes Freddie Mac & Fannie Mae) |
| HAMP | Home Affordable Modification Program |
| H&S | Health & Safety |
| HARP | Home Access Road Program (West Virginia) |
| HARP | Home Affordable Refinance Program (Federal) |
| HERA | Housing and Economic Recovery Act |
| HMDA | Home Mortgage Disclosure Act |
| HOA | Homeowners Association also Home Owners Association |
| HOEPA | Home Ownership and Equity Protection Act |
| HPMLs | Higher-Priced Mortgage Loans |
| HUD | Department of Housing and Urban Development |
| I&CD | Infrastructure & Capacity Development |
| IJDC | Infrastructure and Jobs Development Council |
| IRC | Internal Revenue Code |
| IRS | Internal Revenue Service |
| ISBN | International Standard Book Number |
| ITR | Income Tax Regulation(s) |
| JCC | Jefferson County Commission |
| JCOHOA | Jefferson County Organization of Homeowners Associations (now EPOHOA) |
| JCPSD | Jefferson County Public Service District |
| LAC | Loss Assessment Coverage |
| LLC | Limited Liability Corporation |
| LORC | Lifecycle Oriented Community |
| LTV | Loan-to-Value |
| MBS | Mortgage-Backed Securities |
| MCET | Maryland Center for Environmental Training |
| MHA | Making Home Affordable Program |
| MS4 | Municipal Separate Storm Water System |
| NACo | National Association of Counties |
| NETCSC | National Environmental Training Center for Small Communities |
| NCUA | National Credit Union Administration |
| NWDC | National Drinking Water Coalition |
| NTNC | Non-Transient Non-Community Drinking Water System |
| OCC | Office of the Comptroller of the Currency |
| OEHS | Office of Environmental Health Services |
| OTS | Office of Thrift Supervision |
| NPO | Non-Profit Organization |
| PATH | Potomac-Appalachian Transmission Highway |
| POA | Property Owners Association |
| PM | Preventive Maintenance |
| PND | Planned Neighborhood Development |
| PPS | Public Policy Statement |
| PRS | Private Residential Communities |
| PSC | Public Service Commission [of West Virginia] |
| PSD | Public Service District |
| PUD | Planned Unit Development |
| QRM | Qualified Residential Mortgage(s) |
| R&R | Repair and Replacement |
| RCA | Residential Community Associations |
| RCAP | Rural Community Assistance Program |
| RESPA | Real Estate Settlement Procedures Act |
| RESPA GFE | Real Estate Settlement Procedures Act – Good Faith Estimate |
| RSS | Real Simple Syndication (Internet slang) |
| RUS | Rural Utilities Service [US Department of Agriculture] |
| S&P | Standard & Poor |
| SB | Senate Bill |
| SDEIS | Supplemental Draft Environmental Impact Statement |
| SDWA | [Federal] Safe Drinking Water Act |
| SEC | Securities and Exchange Commission |
| SLC | Senior Living Community |
| SNC | Significant Non-Compliance |
| SOS | Secretary of State |
| STR | Short Term Rental |
| SUB1 | Committee Substitute (1= version number) |
| TARP | Troubled Asset Relief Program |
| TBTF | Too Big To Fail |
| TILA | Truth in Lending Act |
| TMF | Technical, Managerial and Financial (Water System Capability) |
| TMI | Too Much Information |
| TOC | Timeshare Owners Community |
| UCIOA | Uniform Common Interest Ownership Act |
| URPERA | Uniform Real Property Electronic Recording Act |
| VNC | Voluntary Neighborhood Covenants |
| WIP | Watershed Implementation Plan |
| WVDOT | West Virginia Department of Transportation |
| WVETC | West Virginia Environmental Training Center |
| WVOHOA | West Virginia Organization of Homeowners Associations |
| WVPSC | West Virginia Public Service Commission |
| WVRWA | West Virginia Rural Water Association |