FCRAThis regulateshow/whatcompanies areto report on aconsumeraccount.ConsumerFinancialProtectionBureauThis is anindependentgovernment agencythat is responsible forconsumer protectionin the financial sector.NSLDSNationalStudentLoan DataSystemTANFTemporaryAssistance for NeedyFamilies. If theborrower is receivingTANF benefits, theymay qualify for EHDABAThis refers tothe nine-digitroutingnumber forUS banks.PartialFinancialHardship(PFH)This occurs when theannual amount due on allborrower's eligible loans(calculated under 10-yearrepayment plan) exceeds15% of the differencebetween the borrower'sAGI and 150% of thepoverty guideline forborrower's family size.Borrower musPACERClaims usesthis to locatepaperworkregardingbankruptcyfilings.OIDThis amount is included inthe 1098E form. When aloan is disbursed,origination fees are takenout prior to disbursement,and this amount isamortized over therepayment term of the loan.When the borrower beginsrepaying the loan, they aregivFamilySizeBorrowerBorrower's spouseBorrower's children(including unborn childrenwho will be born during theperiod covered by the EHDor PFH) if they will receivemore than 50% of theirsupport from the borrower.ACDVThis refers toelectronic disputeswe receive fromconsumerreportingagencies.REPAYEThis is the newestincome-drivenrepayment plan forDirect LoanBorrowers (effective12/17/2015).RAIVSThis is a serviceoffered by the IRSto confirm taxinformation forpurposes ofapplying for theIBR.SSIIt is designed to help aged,blind, or disabledindividuals who have littleor no income. Because it isawarded based on financialneed, it is considered a"public assistance"program for purposes of anautomatic qualifier for EHDPSLFBorrowers mustmake 10 yrs (120months) ofqualifyingpayments to havetheir loansforgiven.BIABureauof IndianAffairsAGIAdjustedGrossIncomeRDFIThis refers to afinancial institutionqualified to receiveACH entries andagrees to abide bythe NACHA rules.Full-TimeEmploymentBorrower is working atleast 30 hours per week forat least 3 consecutivemonths. The 30 hours ofwork performed do NOThave to be at onelocation/job. Volunteer workdoes NOT count since theborrower is not being paidany kind of income/wage.ConsumerReportingAgenciesterm used in theFair CreditReporting Act(FCRA) to referto creditbureaus.FACTActFair andAccurateCreditTransactionsAct of 2003.HEOAHigherEducationOpportunityAct of 2008FAFSAFreeApplicationfor FederalStudent AidTitleIVsection of the HigherEducation Act of1965 that authorizesfederal loan, work,and grant educationfinancial assistanceprograms.PAYEPay As You Earn -Repayment planfor Direct Loanborrowers(effective12/21/2012).FEMAThis federalagency isresponsible formanaging areasaffected by naturaldisasters oremergencies.HUDHousing andUrbanDevelopmentCCRAAThis establishedthe creation of theIncome-BasedRepayment planbeginning July 1,2009.FCRAThis regulateshow/whatcompanies areto report on aconsumeraccount.ConsumerFinancialProtectionBureauThis is anindependentgovernment agencythat is responsible forconsumer protectionin the financial sector.NSLDSNationalStudentLoan DataSystemTANFTemporaryAssistance for NeedyFamilies. If theborrower is receivingTANF benefits, theymay qualify for EHDABAThis refers tothe nine-digitroutingnumber forUS banks.PartialFinancialHardship(PFH)This occurs when theannual amount due on allborrower's eligible loans(calculated under 10-yearrepayment plan) exceeds15% of the differencebetween the borrower'sAGI and 150% of thepoverty guideline forborrower's family size.Borrower musPACERClaims usesthis to locatepaperworkregardingbankruptcyfilings.OIDThis amount is included inthe 1098E form. When aloan is disbursed,origination fees are takenout prior to disbursement,and this amount isamortized over therepayment term of the loan.When the borrower beginsrepaying the loan, they aregivFamilySizeBorrowerBorrower's spouseBorrower's children(including unborn childrenwho will be born during theperiod covered by the EHDor PFH) if they will receivemore than 50% of theirsupport from the borrower.ACDVThis refers toelectronic disputeswe receive fromconsumerreportingagencies.REPAYEThis is the newestincome-drivenrepayment plan forDirect LoanBorrowers (effective12/17/2015).RAIVSThis is a serviceoffered by the IRSto confirm taxinformation forpurposes ofapplying for theIBR.SSIIt is designed to help aged,blind, or disabledindividuals who have littleor no income. Because it isawarded based on financialneed, it is considered a"public assistance"program for purposes of anautomatic qualifier for EHDPSLFBorrowers mustmake 10 yrs (120months) ofqualifyingpayments to havetheir loansforgiven.BIABureauof IndianAffairsAGIAdjustedGrossIncomeRDFIThis refers to afinancial institutionqualified to receiveACH entries andagrees to abide bythe NACHA rules.Full-TimeEmploymentBorrower is working atleast 30 hours per week forat least 3 consecutivemonths. The 30 hours ofwork performed do NOThave to be at onelocation/job. Volunteer workdoes NOT count since theborrower is not being paidany kind of income/wage.ConsumerReportingAgenciesterm used in theFair CreditReporting Act(FCRA) to referto creditbureaus.FACTActFair andAccurateCreditTransactionsAct of 2003.HEOAHigherEducationOpportunityAct of 2008FAFSAFreeApplicationfor FederalStudent AidTitleIVsection of the HigherEducation Act of1965 that authorizesfederal loan, work,and grant educationfinancial assistanceprograms.PAYEPay As You Earn -Repayment planfor Direct Loanborrowers(effective12/21/2012).FEMAThis federalagency isresponsible formanaging areasaffected by naturaldisasters oremergencies.HUDHousing andUrbanDevelopmentCCRAAThis establishedthe creation of theIncome-BasedRepayment planbeginning July 1,2009.

Glossary Terms - Call List

(Print) Use this randomly generated list as your call list when playing the game. There is no need to say the BINGO column name. Place some kind of mark (like an X, a checkmark, a dot, tally mark, etc) on each cell as you announce it, to keep track. You can also cut out each item, place them in a bag and pull words from the bag.


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  1. This regulates how/what companies are to report on a consumer account.
    FCRA
  2. This is an independent government agency that is responsible for consumer protection in the financial sector.
    Consumer Financial Protection Bureau
  3. National Student Loan Data System
    NSLDS
  4. Temporary Assistance for Needy Families. If the borrower is receiving TANF benefits, they may qualify for EHD
    TANF
  5. This refers to the nine-digit routing number for US banks.
    ABA
  6. This occurs when the annual amount due on all borrower's eligible loans (calculated under 10-year repayment plan) exceeds 15% of the difference between the borrower's AGI and 150% of the poverty guideline for borrower's family size. Borrower mus
    Partial Financial Hardship (PFH)
  7. Claims uses this to locate paperwork regarding bankruptcy filings.
    PACER
  8. This amount is included in the 1098E form. When a loan is disbursed, origination fees are taken out prior to disbursement, and this amount is amortized over the repayment term of the loan. When the borrower begins repaying the loan, they are giv
    OID
  9. Borrower Borrower's spouse Borrower's children (including unborn children who will be born during the period covered by the EHD or PFH) if they will receive more than 50% of their support from the borrower.
    Family Size
  10. This refers to electronic disputes we receive from consumer reporting agencies.
    ACDV
  11. This is the newest income-driven repayment plan for Direct Loan Borrowers (effective 12/17/2015).
    REPAYE
  12. This is a service offered by the IRS to confirm tax information for purposes of applying for the IBR.
    RAIVS
  13. It is designed to help aged, blind, or disabled individuals who have little or no income. Because it is awarded based on financial need, it is considered a "public assistance" program for purposes of an automatic qualifier for EHD
    SSI
  14. Borrowers must make 10 yrs (120 months) of qualifying payments to have their loans forgiven.
    PSLF
  15. Bureau of Indian Affairs
    BIA
  16. Adjusted Gross Income
    AGI
  17. This refers to a financial institution qualified to receive ACH entries and agrees to abide by the NACHA rules.
    RDFI
  18. Borrower is working at least 30 hours per week for at least 3 consecutive months. The 30 hours of work performed do NOT have to be at one location/job. Volunteer work does NOT count since the borrower is not being paid any kind of income/wage.
    Full-Time Employment
  19. term used in the Fair Credit Reporting Act (FCRA) to refer to credit bureaus.
    Consumer Reporting Agencies
  20. Fair and Accurate Credit Transactions Act of 2003.
    FACT Act
  21. Higher Education Opportunity Act of 2008
    HEOA
  22. Free Application for Federal Student Aid
    FAFSA
  23. section of the Higher Education Act of 1965 that authorizes federal loan, work, and grant education financial assistance programs.
    Title IV
  24. Pay As You Earn - Repayment plan for Direct Loan borrowers (effective 12/21/2012).
    PAYE
  25. This federal agency is responsible for managing areas affected by natural disasters or emergencies.
    FEMA
  26. Housing and Urban Development
    HUD
  27. This established the creation of the Income-Based Repayment plan beginning July 1, 2009.
    CCRAA