eCFR Analyzer

Federal Deposit Insurance Corporation (FDIC)

805,596Words in 69 parts
8.3Restriction density (per 1,000 words)
21.8Reading grade
62.0%Unchanged since 2017
4Flagged 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
39.9 words on average; 33.0% over 40 words; 25.3% passive; 14.0 cross-references per 1,000 words
Sentence types
definition 8.6% · prohibition 2.6% · paperwork 7.2% · obligation 16.5% · permission 9.6% · other 55.4%
Checksum
b2b734a96c03854f4c504fe3b3ec116ca558e9fba9f6178ba48f4304027e1833 changed since last refresh

Review candidates in this agency

RankPartWordsScore
89 top 10% 12 CFR 335 SECURITIES OF STATE NONMEMBER BANKS AND STATE SAVINGS ASSOCIATIONS
High signals: Paperwork share +3.2 SD · Directive share +1.6 SD · Restriction density +1.4 SD
 5,139 1.17
280 top 10% 12 CFR 359 GOLDEN PARACHUTE AND INDEMNIFICATION PAYMENTS
High signals: Reading grade +4.8 SD
 4,625 0.90
303 top 10% 12 CFR 373 CREDIT RISK RETENTION
High signals: Reading grade +3.8 SD · Size +1.3 SD
 27,664 0.89
586 top 10% 12 CFR 307 CERTIFICATION OF ASSUMPTION OF DEPOSITS AND NOTIFICATION OF CHANGES OF INSURED STATUS
High signals: Paperwork share +2.2 SD · Restriction density +1.8 SD
 1,286 0.73
774 12 CFR 324 CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS
High signals: Size +2.7 SD · Reading grade +1.7 SD
 137,184 0.65
984 12 CFR 349 DERIVATIVES
High signals: Reading grade +2.2 SD · Size +1.2 SD
 24,913 0.56
1,031 12 CFR 310 PRIVACY ACT REGULATIONS
High signals: Reading grade +2.8 SD · Paperwork share +1.7 SD
 3,323 0.55
1,032 12 CFR 381 RESOLUTION PLANS
High signals: Paperwork share +1.6 SD
 12,003 0.55
1,340 12 CFR 360 RESOLUTION AND RECEIVERSHIP RULES
High signals: Size +1.4 SD
 29,276 0.46
1,533 12 CFR 344 RECORDKEEPING AND CONFIRMATION REQUIREMENTS FOR SECURITIES TRANSACTIONS
High signals: Reading grade +1.7 SD
 4,987 0.40
1,578 12 CFR 313 PROCEDURES FOR COLLECTION OF CORPORATE DEBT, CRIMINAL RESTITUTION DEBT, AND CIVIL MONEY PENALTY DEBT
High signals: none above 1 SD; ranked by the combined score
 12,263 0.39
1,620 12 CFR 380 ORDERLY LIQUIDATION AUTHORITY
High signals: Size +1.2 SD · Reading grade +1.0 SD
 24,518 0.38
1,628 12 CFR 371 RECORDKEEPING REQUIREMENTS FOR QUALIFIED FINANCIAL CONTRACTS
High signals: Paperwork share +2.9 SD
 11,593 0.38
1,682 12 CFR 308 RULES OF PRACTICE AND PROCEDURE
High signals: Size +2.1 SD
 68,339 0.36
1,790 12 CFR 327 ASSESSMENTS
High signals: Size +1.9 SD
 57,015 0.33
1,852 12 CFR 390 REGULATIONS TRANSFERRED FROM THE OFFICE OF THRIFT SUPERVISION
High signals: none above 1 SD; ranked by the combined score
 9,476 0.31
2,035 12 CFR 352 NONDISCRIMINATION ON THE BASIS OF DISABILITY
High signals: none above 1 SD; ranked by the combined score
 2,423 0.26
2,104 12 CFR 351 PROPRIETARY TRADING AND CERTAIN INTERESTS IN AND RELATIONSHIPS WITH COVERED FUNDS
High signals: Reading grade +2.9 SD · Size +1.4 SD
 32,320 0.25
2,316 12 CFR 303 FILING PROCEDURES
High signals: Size +1.5 SD
 34,982 0.20
2,346 12 CFR 309 DISCLOSURE OF INFORMATION
High signals: none above 1 SD; ranked by the combined score
 9,721 0.19
2,351 12 CFR 339 LOANS IN AREAS HAVING SPECIAL FLOOD HAZARDS
High signals: none above 1 SD; ranked by the combined score
 5,826 0.19
2,547 12 CFR 347 INTERNATIONAL BANKING
High signals: none above 1 SD; ranked by the combined score
 16,023 0.15
2,612 12 CFR 330 DEPOSIT INSURANCE COVERAGE
High signals: none above 1 SD; ranked by the combined score
 9,528 0.13
2,617 12 CFR 329 LIQUIDITY RISK MEASUREMENT STANDARDS
High signals: Reading grade +3.4 SD · Size +1.3 SD
 26,931 0.13
2,803 12 CFR 362 ACTIVITIES OF INSURED STATE BANKS AND INSURED SAVINGS ASSOCIATIONS
High signals: Reading grade +1.5 SD
 14,768 0.08

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

  • 15 U.S.C. 78o: 208,767 words in 6 parts (25.9% of this agency's text)
  • 12 U.S.C. 1815: 164,115 words in 2 parts (20.4% of this agency's text)
  • 12 U.S.C. 1828: 145,501 words in 3 parts (18.1% of this agency's text)
  • 12 U.S.C. 1831n: 137,184 words in 1 parts (17.0% of this agency's text)
  • 15 U.S.C. 9052: 137,184 words in 1 parts (17.0% of this agency's text)
  • 12 U.S.C. 1819: 100,447 words in 17 parts (12.5% of this agency's text)
  • 12 U.S.C. 1813: 83,704 words in 4 parts (10.4% of this agency's text)
  • 12 U.S.C. 1814: 77,337 words in 1 parts (9.6% of this agency's text)
  • 42 U.S.C. 4012a: 74,165 words in 2 parts (9.2% of this agency's text)
  • 12 U.S.C. 1817: 72,507 words in 4 parts (9.0% of this agency's text)

From the authority notes. A citation is not proof that the statute requires the rule.

Largest parts

  • 12 CFR 324: CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS (137,184 words)
  • 12 CFR 345: COMMUNITY REINVESTMENT (77,337 words)
  • 12 CFR 308: RULES OF PRACTICE AND PROCEDURE (68,339 words)
  • 12 CFR 327: ASSESSMENTS (57,015 words)
  • 12 CFR 303: FILING PROCEDURES (34,982 words)
  • 12 CFR 351: PROPRIETARY TRADING AND CERTAIN INTERESTS IN AND RELATIONSHIPS WITH COVERED FUNDS (32,320 words)
  • 12 CFR 360: RESOLUTION AND RECEIVERSHIP RULES (29,276 words)
  • 12 CFR 373: CREDIT RISK RETENTION (27,664 words)
  • 12 CFR 329: LIQUIDITY RISK MEASUREMENT STANDARDS (26,931 words)
  • 12 CFR 349: DERIVATIVES (24,913 words)

Reading grade and sentence types are approximate. Simple rules label each sentence; the first match wins.