eCFR Analyzer

Federal Housing Finance Agency (FHFA)

361,960Words in 66 parts
10.5Restriction density (per 1,000 words)
20.7Reading grade
65.4%Unchanged since 2017
3Flagged 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
37.1 words on average; 30.7% over 40 words; 23.4% passive; 13.4 cross-references per 1,000 words
Sentence types
definition 12.2% · prohibition 3.3% · paperwork 8.1% · obligation 18.5% · permission 10.1% · other 47.8%
Checksum
b12f23c97493ac8ac15b0749afed3f01a62f4b7d8bea732af1bf49e1171aa6cc

Review candidates in this agency

RankPartWordsScore
285 top 10% 12 CFR 1278 VOLUNTARY MERGERS OF FEDERAL HOME LOAN BANKS
High signals: Paperwork share +2.2 SD · Reading grade +1.3 SD
 2,946 0.90
368 top 10% 12 CFR 1234 CREDIT RISK RETENTION
High signals: Reading grade +3.7 SD · Size +1.2 SD
 24,309 0.84
491 top 10% 12 CFR 1261 FEDERAL HOME LOAN BANK DIRECTORS
High signals: Restriction density +1.7 SD · Directive share +1.3 SD
 8,355 0.77
915 12 CFR 1221 MARGIN AND CAPITAL REQUIREMENTS FOR COVERED SWAP ENTITIES
High signals: Reading grade +3.5 SD
 15,671 0.59
983 12 CFR 1273 OFFICE OF FINANCE
High signals: Restriction density +2.1 SD · Directive share +1.5 SD
 4,927 0.56
1,005 12 CFR 1263 MEMBERS OF THE BANKS
High signals: none above 1 SD; ranked by the combined score
 13,114 0.56
1,097 12 CFR 1235 RECORD RETENTION FOR REGULATED ENTITIES AND OFFICE OF FINANCE
High signals: Paperwork share +2.7 SD
 1,645 0.53
1,110 12 CFR 1229 CAPITAL CLASSIFICATIONS AND PROMPT CORRECTIVE ACTION
High signals: Reading grade +1.2 SD
 6,225 0.53
1,268 12 CFR 1277 FEDERAL HOME LOAN BANK CAPITAL REQUIREMENTS, CAPITAL STOCK AND CAPITAL PLANS
High signals: Directive share +1.1 SD
 12,114 0.48
1,273 12 CFR 1208 DEBT COLLECTION
High signals: none above 1 SD; ranked by the combined score
 13,069 0.48
1,300 12 CFR 1239 RESPONSIBILITIES OF BOARDS OF DIRECTORS, CORPORATE PRACTICES, AND CORPORATE GOVERNANCE
High signals: Restriction density +1.1 SD
 5,352 0.47
1,311 12 CFR 1264 FEDERAL HOME LOAN BANK HOUSING ASSOCIATES
High signals: Paperwork share +1.9 SD
 1,878 0.47
1,316 12 CFR 1223 MINORITY AND WOMEN INCLUSION
High signals: Reading grade +3.4 SD · Paperwork share +1.5 SD
 4,947 0.47
1,426 12 CFR 1209 RULES OF PRACTICE AND PROCEDURE
High signals: Size +1.3 SD
 25,782 0.43
1,581 12 CFR 1203 EQUAL ACCESS TO JUSTICE ACT
High signals: Paperwork share +1.3 SD
 3,721 0.39
1,775 12 CFR 1260 SHARING OF INFORMATION AMONG FEDERAL HOME LOAN BANKS
High signals: Restriction density +1.9 SD
 1,576 0.34
1,941 12 CFR 1270 LIABILITIES
High signals: Reading grade +1.5 SD
 5,749 0.29
2,004 12 CFR 1242 RESOLUTION PLANNING
High signals: Reading grade +1.8 SD
 5,563 0.27
2,221 12 CFR 1291 FEDERAL HOME LOAN BANKS' AFFORDABLE HOUSING PROGRAM
High signals: none above 1 SD; ranked by the combined score
 18,461 0.22
2,325 12 CFR 1271 MISCELLANEOUS FEDERAL HOME LOAN BANK OPERATIONS AND AUTHORITIES
High signals: none above 1 SD; ranked by the combined score
 3,797 0.20
2,580 12 CFR 1227 SUSPENDED COUNTERPARTY PROGRAM
High signals: none above 1 SD; ranked by the combined score
 3,784 0.14
2,720 12 CFR 1240 CAPITAL ADEQUACY OF ENTERPRISES
High signals: Size +2.0 SD · Reading grade +1.0 SD
 63,024 0.10
2,734 12 CFR 1266 ADVANCES
High signals: none above 1 SD; ranked by the combined score
 6,773 0.10
3,002 12 CFR 1215 PRODUCTION OF FHFA RECORDS, INFORMATION, AND EMPLOYEE TESTIMONY IN THIRD-PARTY LEGAL PROCEEDINGS
High signals: none above 1 SD; ranked by the combined score
 3,615 0.04
3,140 12 CFR 1290 COMMUNITY SUPPORT REQUIREMENTS
High signals: none above 1 SD; ranked by the combined score
 3,217 0.01

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. 4511: 118,420 words in 13 parts (32.7% of this agency's text)
  • 12 U.S.C. 4526: 67,399 words in 12 parts (18.6% of this agency's text)
  • 12 U.S.C. 4501: 55,876 words in 6 parts (15.4% of this agency's text)
  • 12 U.S.C. 1426: 40,673 words in 7 parts (11.2% of this agency's text)
  • 15 U.S.C. 78o: 39,980 words in 2 parts (11.0% of this agency's text)
  • 12 U.S.C. 1430: 35,543 words in 7 parts (9.8% of this agency's text)
  • 12 U.S.C. 4513: 29,800 words in 5 parts (8.2% of this agency's text)
  • 28 U.S.C. 2461: 29,785 words in 3 parts (8.2% of this agency's text)
  • 12 U.S.C. 1430c: 25,782 words in 1 parts (7.1% of this agency's text)
  • 5 U.S.C. 554: 25,782 words in 1 parts (7.1% of this agency's text)

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

Largest parts

  • 12 CFR 1240: CAPITAL ADEQUACY OF ENTERPRISES (63,024 words)
  • 12 CFR 1209: RULES OF PRACTICE AND PROCEDURE (25,782 words)
  • 12 CFR 1234: CREDIT RISK RETENTION (24,309 words)
  • 12 CFR 1282: ENTERPRISE HOUSING GOALS AND MISSION (18,849 words)
  • 12 CFR 1291: FEDERAL HOME LOAN BANKS' AFFORDABLE HOUSING PROGRAM (18,461 words)
  • 12 CFR 1221: MARGIN AND CAPITAL REQUIREMENTS FOR COVERED SWAP ENTITIES (15,671 words)
  • 12 CFR 1263: MEMBERS OF THE BANKS (13,114 words)
  • 12 CFR 1208: DEBT COLLECTION (13,069 words)
  • 12 CFR 1277: FEDERAL HOME LOAN BANK CAPITAL REQUIREMENTS, CAPITAL STOCK AND CAPITAL PLANS (12,114 words)
  • 12 CFR 1202: FREEDOM OF INFORMATION ACT (8,559 words)

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