Comptroller of the Currency (OCC)
762,625Words in 79 parts
7.6Restriction density (per 1,000 words)
21.3Reading grade
0.0%Unchanged since 2017
0Flagged parts
2026-11-02Last change
Section changes per year
From the eCFR versioner, for the parts that the agency owns now. Before 2017 is the baseline load.
Text and size
- Sentences
- 38.6 words on average; 31.4% over 40 words; 20.8% passive; 13.3 cross-references per 1,000 words
- Sentence types
- definition 7.9% · prohibition 2.3% · paperwork 6.0% · obligation 15.3% · permission 12.2% · other 56.2%
- Checksum
5787465f874f5bff5cfd116debf9737f5c55f73f3878f0569c4655686b471c40changed since last refresh
Review candidates in this agency
| Rank | Part | Words | Score |
|---|---|---|---|
| 1,239 | 12 CFR 43
CREDIT RISK RETENTION
High signals: Reading grade
+3.7 SD · Size
+1.3 SD |
27,592 | 0.49 |
| 1,422 | 12 CFR 3
CAPITAL ADEQUACY STANDARDS
High signals: Size
+2.7 SD · Reading grade
+1.9 SD |
141,129 | 0.43 |
| 1,653 | 12 CFR 163
SAVINGS ASSOCIATIONS—OPERATIONS
High signals: Paperwork share
+1.3 SD |
8,010 | 0.37 |
| 1,676 | 12 CFR 45
MARGIN AND CAPITAL REQUIREMENTS FOR COVERED SWAP ENTITIES
High signals: Reading grade
+3.6 SD |
15,833 | 0.36 |
| 2,471 | 12 CFR 50
LIQUIDITY RISK MEASUREMENT STANDARDS
High signals: Reading grade
+3.9 SD · Size
+1.3 SD |
28,448 | 0.16 |
| 2,477 | 12 CFR 5
RULES, POLICIES, AND PROCEDURES FOR CORPORATE ACTIVITIES
High signals: Size
+2.2 SD |
80,932 | 0.16 |
| 2,655 | 12 CFR 44
PROPRIETARY TRADING AND CERTAIN INTERESTS IN AND RELATIONSHIPS WITH COVERED FUNDS
High signals: Reading grade
+2.9 SD · Size
+1.4 SD |
32,338 | 0.12 |
| 2,998 | 12 CFR 14
CONSUMER PROTECTION IN SALES OF INSURANCE
High signals: Reading grade
+1.5 SD |
2,867 | 0.04 |
| 3,101 | 12 CFR 19
RULES OF PRACTICE AND PROCEDURE
High signals: Size
+2.2 SD |
76,932 | 0.02 |
| 3,363 | 12 CFR 6
PROMPT CORRECTIVE ACTION
High signals: none above 1 SD; ranked by the combined score |
6,317 | -0.04 |
| 3,500 | 12 CFR 21
MINIMUM SECURITY DEVICES AND PROCEDURES, REPORTS OF SUSPICIOUS ACTIVITIES, AND BANK SECRECY ACT COMPLIANCE PROGRAM
High signals: Paperwork share
+1.3 SD |
3,454 | -0.07 |
| 3,586 | 12 CFR 151
RECORDKEEPING AND CONFIRMATION REQUIREMENTS FOR SECURITIES TRANSACTIONS
High signals: none above 1 SD; ranked by the combined score |
4,911 | -0.09 |
| 3,634 | 12 CFR 22
LOANS IN AREAS HAVING SPECIAL FLOOD HAZARDS
High signals: Reading grade
+1.1 SD |
6,012 | -0.10 |
| 3,739 | 12 CFR 48
RETAIL FOREIGN EXCHANGE TRANSACTIONS
High signals: none above 1 SD; ranked by the combined score |
9,097 | -0.12 |
| 3,784 | 12 CFR 192
CONVERSIONS FROM MUTUAL TO STOCK FORM
High signals: none above 1 SD; ranked by the combined score |
17,986 | -0.13 |
| 3,800 | 12 CFR 12
RECORDKEEPING AND CONFIRMATION REQUIREMENTS FOR SECURITIES TRANSACTIONS
High signals: Reading grade
+1.5 SD |
4,886 | -0.13 |
| 3,803 | 12 CFR 9
FIDUCIARY ACTIVITIES OF NATIONAL BANKS
High signals: none above 1 SD; ranked by the combined score |
8,901 | -0.14 |
| 4,024 | 12 CFR 37
DEBT CANCELLATION CONTRACTS AND DEBT SUSPENSION AGREEMENTS
High signals: none above 1 SD; ranked by the combined score |
3,070 | -0.18 |
| 4,143 | 12 CFR 47
MANDATORY CONTRACTUAL STAY REQUIREMENTS FOR QUALIFIED FINANCIAL CONTRACTS
High signals: Reading grade
+3.0 SD |
7,670 | -0.22 |
| 4,284 | 12 CFR 28
INTERNATIONAL BANKING ACTIVITIES
High signals: none above 1 SD; ranked by the combined score |
9,176 | -0.25 |
| 4,293 | 12 CFR 32
LENDING LIMITS
High signals: Reading grade
+1.4 SD |
15,218 | -0.26 |
| 4,339 | 12 CFR 46
STRESS TESTING
High signals: none above 1 SD; ranked by the combined score |
2,538 | -0.26 |
| 4,500 | 12 CFR 16
SECURITIES OFFERING DISCLOSURE RULES
High signals: Reading grade
+1.0 SD |
4,704 | -0.31 |
| 4,603 | 12 CFR 150
FIDUCIARY POWERS OF FEDERAL SAVINGS ASSOCIATIONS
High signals: none above 1 SD; ranked by the combined score |
4,703 | -0.34 |
| 4,613 | 12 CFR 160
LENDING AND INVESTMENT
High signals: none above 1 SD; ranked by the combined score |
10,764 | -0.34 |
Score: the mean of six signals, in standard deviations (SD). Across the CFR, the top 641 of 6,402 ranked parts (10%) get a flag for review; this list shows 25. A flag is not a finding.
Statutes behind the most text
- 12 U.S.C. 1: 355,634 words in 26 parts (46.6% of this agency's text)
- 12 U.S.C. 93a: 178,463 words in 10 parts (23.4% of this agency's text)
- 12 U.S.C. 21: 89,002 words in 1 parts (11.7% of this agency's text)
- 42 U.S.C. 4012a: 82,944 words in 2 parts (10.9% of this agency's text)
- 12 U.S.C. 93: 76,932 words in 1 parts (10.1% of this agency's text)
- 15 U.S.C. 78: 76,932 words in 1 parts (10.1% of this agency's text)
- 28 U.S.C. 2461: 76,932 words in 1 parts (10.1% of this agency's text)
- 31 U.S.C. 330: 76,932 words in 1 parts (10.1% of this agency's text)
- 5 U.S.C. 504: 76,932 words in 1 parts (10.1% of this agency's text)
- 12 U.S.C. 1462a: 45,586 words in 14 parts (6.0% of this agency's text)
From the authority notes. A citation is not proof that the statute requires the rule.
Largest parts
- 12 CFR 3: CAPITAL ADEQUACY STANDARDS (141,129 words)
- 12 CFR 25: COMMUNITY REINVESTMENT ACT AND INTERSTATE DEPOSIT PRODUCTION REGULATIONS (89,002 words)
- 12 CFR 5: RULES, POLICIES, AND PROCEDURES FOR CORPORATE ACTIVITIES (80,932 words)
- 12 CFR 19: RULES OF PRACTICE AND PROCEDURE (76,932 words)
- 12 CFR 44: PROPRIETARY TRADING AND CERTAIN INTERESTS IN AND RELATIONSHIPS WITH COVERED FUNDS (32,338 words)
- 12 CFR 50: LIQUIDITY RISK MEASUREMENT STANDARDS (28,448 words)
- 12 CFR 43: CREDIT RISK RETENTION (27,592 words)
- 12 CFR 34: REAL ESTATE LENDING AND APPRAISALS (24,034 words)
- 12 CFR 7: ACTIVITIES AND OPERATIONS (21,703 words)
- 12 CFR 4: ORGANIZATION AND FUNCTIONS, AVAILABILITY AND RELEASE OF INFORMATION, CONTRACTING OUTREACH PROGRAM, POST-EMPLOYMENT RESTRICTIONS FOR SENIOR EXAMINERS (18,793 words)
Reading grade and sentence types are approximate. Simple rules label each sentence; the first match wins.