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 (name change:JCOHOA to EPOHOA to WVOHOA) |
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 (name change:JCOHOA to EPOHOA to WVOHOA) |
JCPSD | Jefferson County Public Service District |
LAC | Loss Assessment Coverage |
LELPC | Limited Expense Liability Planned Community (WV Code §36B–1–203) |
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 |
PRC | Private Residential Community |
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 (name change:JCOHOA to EPOHOA to WVOHOA) |
WVPSC | West Virginia Public Service Commission |
WVRWA | West Virginia Rural Water Association |