1030.3(e) http://www.bankersonline.com/regs/12-1030/12-1030-003.html deals with oral inquiries. It uses the term here, not the abbreviation. It does say in the OSC that advertising rules don't apply, but if I were writing the script, I would use the words before I used the abbreviation and move on to other things.
AndyZ CRCM My opinions are not necessarily my employers. R+R-R=R+R Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell