Appendix B: Abbreviations

AI
artificial intelligence
BHC
bank holding company
CAMELS
Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity to market risk
CARES Act
Coronavirus Aid, Relief, and Economic Security Act
CBLR
Community Bank Leverage Ratio
CBO
community banking organization
CCAR
Comprehensive Capital Analysis and Review
CDS
credit default swap
CECL
current expected credit loss
CET1
common equity tier 1
CFPB
Consumer Financial Protection Bureau
CRA
Community Reinvestment Act
CRE
commercial real estate
C&I
commercial and industrial lending
FBO
foreign banking organization
FDIC
Federal Deposit Insurance Corporation
FFIEC
Federal Financial Institutions Examination Council
G-SIB
global systemically important bank
HCR
horizontal capital review
HELOC
home equity line of credit
IHC
intermediate holding company
LBO
large banking organization
LFBO
large and foreign banking organization
LIBOR
London Inter-Bank Offer Rate
LISCC
Large Institution Supervision Coordinating Committee
MRA
Matters Requiring Attention
MRIA
Matters Requiring Immediate Attention
NAT
national bank
NMB
state nonmember bank
OCC
Office of the Comptroller of the Currency
PPP
Paycheck Protection Program
PPPLF
Paycheck Protection Program Liquidity Facility
RBO
regional banking organization
ROAA
return on average assets
ROE
return on equity
SBA
Small Business Administration
SCALE
Scaled CECL Allowance for Losses Estimator
SEC
U.S. Securities and Exchange Commission
SHC
securities holding company
SLHC
savings and loan holding company
SMB(s)
state member bank(s)
UDAP
unfair or deceptive acts or practices
U.S. G-SIB
global systemically important bank in the United States
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Last Update: August 12, 2022