ABBR,MEANING ACH,Automated Clearing House AIR,Assumed Interest Rate APR,Annual Percentage Rate APT,Asset Protection Trust APY,Annual Percentage Yield ARM,Adjustable Rate Mortgage ATM,Automated Teller Machine ATR,Ability to Repay CD,Certificate of Deposit DDA,Demand Deposit Account DTI,Debt-to-Income EFT,Electronic Funds Transfer ETF,Exchange Traded Funds FDIC,Federal Deposit Insurance Corporation FED,Federal Reserve Bank FOREX,Foreign Exchange FRB,Federal Reserve Board HELOC,Home Equity Line of Credit HPML,High Priced Mortgage LoanHigh Priced Mortgage Loan IAS,"International Accounting Standards, Internal Audit Service (European Commission), Investment Analysts Society of Southern Africa" IRA,Individual Retirement Account LOI,Letter Of Intent MBS,Mortgage-Backed Securities NSF,Non-Sufficient Funds