Acronyms & Abbreviations

The names of hard to remember titles, departments, agencies and documents that challenge our recall.

Reference only – not a definitive list.

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
BOI Beneficial Ownership Information (Corporate Transparency Act)
BOIR Beneficial Ownership Information Report (Corporate Transparency Act)
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
CTA Corporate Transparency Act
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)
FinCEN Financial Crimes Enforcement Network (Corporate Transparency Act)
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