Consumer Financial Protection Bureau (CFPB)
1,287,738Words in 42 parts
9.9Restriction density (per 1,000 words)
17.2Reading grade
0.0%Unchanged since 2017
0Flagged parts
2026-10-01Last 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
- 30.1 words on average; 25.5% over 40 words; 26.9% passive; 15.5 cross-references per 1,000 words
- Sentence types
- definition 2.8% · prohibition 2.5% · paperwork 5.1% · obligation 15.2% · permission 10.0% · other 64.4%
- Checksum
3465e2d2d742520d54358f06a87baec665e1b76666e8942faa18859d6b5203ee
Review candidates in this agency
| Rank | Part | Words | Score |
|---|---|---|---|
| 1,612 | 12 CFR 1070
DISCLOSURE OF RECORDS AND INFORMATION
High signals: Paperwork share
+1.7 SD · Size
+1.1 SD |
20,487 | 0.38 |
| 1,992 | 12 CFR 1080
RULES RELATING TO INVESTIGATIONS
High signals: Restriction density
+1.3 SD · Paperwork share
+1.1 SD |
4,171 | 0.28 |
| 2,186 | 12 CFR 1081
RULES OF PRACTICE FOR ADJUDICATION PROCEEDINGS
High signals: Restriction density
+1.1 SD · Size
+1.1 SD |
22,416 | 0.23 |
| 2,262 | 12 CFR 1015
MORTGAGE ASSISTANCE RELIEF SERVICES (REGULATION O)
High signals: Reading grade
+3.7 SD |
4,011 | 0.21 |
| 2,308 | 12 CFR 1082
STATE OFFICIAL NOTIFICATION RULES
High signals: Directive share
+1.4 SD · Reading grade
+1.3 SD |
1,361 | 0.20 |
| 2,480 | 12 CFR 1091
PROCEDURES FOR SUPERVISORY DESIGNATION PROCEEDINGS
High signals: none above 1 SD; ranked by the combined score |
5,532 | 0.16 |
| 2,696 | 12 CFR 1026
TRUTH IN LENDING (REGULATION Z)
High signals: Size
+4.0 SD |
628,147 | 0.11 |
| 2,723 | 12 CFR 1024
REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X)
High signals: Size
+2.2 SD |
75,952 | 0.10 |
| 2,973 | 12 CFR 1005
ELECTRONIC FUND TRANSFERS (REGULATION E)
High signals: Size
+2.7 SD |
134,730 | 0.04 |
| 2,984 | 12 CFR 1072
ENFORCEMENT OF NONDISCRIMINATION ON THE BASIS OF DISABILITY IN PROGRAMS AND ACTIVITIES CONDUCTED BY THE BUREAU OF CONSUMER FINANCIAL PROTECTION
High signals: none above 1 SD; ranked by the combined score |
3,831 | 0.04 |
| 3,361 | 12 CFR 1012
SPECIAL RULES OF PRACTICE (REGULATION L)
High signals: Restriction density
+1.4 SD |
2,433 | -0.04 |
| 3,576 | 12 CFR 1071
RULE IMPLEMENTING EQUAL ACCESS TO JUSTICE ACT
High signals: Paperwork share
+1.2 SD |
3,778 | -0.08 |
| 3,625 | 12 CFR 1007
S.A.F.E. MORTGAGE LICENSING ACT—FEDERAL REGISTRATION OF RESIDENTIAL MORTGAGE LOAN ORIGINATORS (REGULATION G)
High signals: Reading grade
+1.8 SD |
4,981 | -0.10 |
| 3,644 | 12 CFR 1010
LAND REGISTRATION (REGULATION J)
High signals: Size
+1.6 SD |
38,470 | -0.10 |
| 3,695 | 12 CFR 1022
FAIR CREDIT REPORTING (REGULATION V)
High signals: Size
+1.6 SD |
39,536 | -0.11 |
| 3,866 | 12 CFR 1073
PROCEDURES FOR BUREAU DEBT COLLECTION
High signals: none above 1 SD; ranked by the combined score |
6,165 | -0.15 |
| 4,214 | 12 CFR 1033
PERSONAL FINANCIAL DATA RIGHTS
High signals: none above 1 SD; ranked by the combined score |
9,895 | -0.23 |
| 4,250 | 12 CFR 1002
EQUAL CREDIT OPPORTUNITY ACT (REGULATION B)
High signals: Size
+2.2 SD |
75,282 | -0.24 |
| 4,259 | 12 CFR 1008
S.A.F.E. MORTGAGE LICENSING ACT—STATE COMPLIANCE AND BUREAU REGISTRATION SYSTEM (REGULATION H)
High signals: none above 1 SD; ranked by the combined score |
9,648 | -0.25 |
| 4,481 | 12 CFR 1016
PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P)
High signals: none above 1 SD; ranked by the combined score |
19,106 | -0.30 |
| 4,658 | 12 CFR 1014
MORTGAGE ACTS AND PRACTICES—ADVERTISING (REGULATION N)
High signals: Reading grade
+2.9 SD |
1,712 | -0.35 |
| 4,825 | 5 CFR 9401
SUPPLEMENTAL STANDARDS OF ETHICAL CONDUCT FOR EMPLOYEES OF THE BUREAU OF CONSUMER FINANCIAL PROTECTION
High signals: none above 1 SD; ranked by the combined score |
5,920 | -0.40 |
| 5,054 | 12 CFR 1003
HOME MORTGAGE DISCLOSURE (REGULATION C)
High signals: Size
+1.9 SD |
53,254 | -0.47 |
| 5,184 | 12 CFR 1006
DEBT COLLECTION PRACTICES (REGULATION F)
High signals: Size
+1.5 SD |
36,011 | -0.50 |
| 5,381 | 12 CFR 1030
TRUTH IN SAVINGS (REGULATION DD)
High signals: Size
+1.1 SD |
22,639 | -0.56 |
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. 2601: 628,147 words in 1 parts (48.8% of this agency's text)
- 15 U.S.C. 1601: 628,147 words in 1 parts (48.8% of this agency's text)
- 12 U.S.C. 5512: 400,753 words in 16 parts (31.1% of this agency's text)
- 12 U.S.C. 5601: 134,730 words in 1 parts (10.5% of this agency's text)
- 15 U.S.C. 1693b: 134,730 words in 1 parts (10.5% of this agency's text)
- 15 U.S.C. 1693o: 134,730 words in 1 parts (10.5% of this agency's text)
- 12 U.S.C. 2603: 75,952 words in 1 parts (5.9% of this agency's text)
- 15 U.S.C. 1691b: 75,282 words in 1 parts (5.8% of this agency's text)
- 15 U.S.C. 1691c: 75,282 words in 1 parts (5.8% of this agency's text)
- 12 U.S.C. 2803: 53,254 words in 1 parts (4.1% of this agency's text)
From the authority notes. A citation is not proof that the statute requires the rule.
Largest parts
- 12 CFR 1026: TRUTH IN LENDING (REGULATION Z) (628,147 words)
- 12 CFR 1005: ELECTRONIC FUND TRANSFERS (REGULATION E) (134,730 words)
- 12 CFR 1024: REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X) (75,952 words)
- 12 CFR 1002: EQUAL CREDIT OPPORTUNITY ACT (REGULATION B) (75,282 words)
- 12 CFR 1003: HOME MORTGAGE DISCLOSURE (REGULATION C) (53,254 words)
- 12 CFR 1022: FAIR CREDIT REPORTING (REGULATION V) (39,536 words)
- 12 CFR 1010: LAND REGISTRATION (REGULATION J) (38,470 words)
- 12 CFR 1006: DEBT COLLECTION PRACTICES (REGULATION F) (36,011 words)
- 12 CFR 1041: PAYDAY, VEHICLE TITLE, AND CERTAIN HIGH-COST INSTALLMENT LOANS (24,892 words)
- 12 CFR 1030: TRUTH IN SAVINGS (REGULATION DD) (22,639 words)
Reading grade and sentence types are approximate. Simple rules label each sentence; the first match wins.