Federal Reserve System (FRS)
1,809,328Words in 73 parts
8.1Restriction density (per 1,000 words)
19.6Reading grade
25.9%Unchanged since 2017
5Flagged 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
- 35.5 words on average; 29.0% over 40 words; 26.3% passive; 13.3 cross-references per 1,000 words
- Sentence types
- definition 5.5% · prohibition 2.6% · paperwork 4.8% · obligation 15.1% · permission 10.8% · other 61.3%
- Checksum
d357c80f7ebd0303d04d65766720130d4dba50927020c8eeb1a9fcb101a8067dchanged since last refresh
Review candidates in this agency
| Rank | Part | Words | Score |
|---|---|---|---|
| 132 top 10% | 12 CFR 269b
CHARGES OF UNFAIR LABOR PRACTICES
High signals: Restriction density
+2.5 SD · Paperwork share
+1.7 SD · Directive share
+1.7 SD |
5,543 | 1.07 |
| 187 top 10% | 12 CFR 268
RULES REGARDING EQUAL OPPORTUNITY
High signals: Directive share
+1.8 SD · Paperwork share
+1.4 SD · Restriction density
+1.4 SD · Size
+1.2 SD |
24,569 | 1.02 |
| 292 top 10% | 12 CFR 269
POLICY ON LABOR RELATIONS FOR THE FEDERAL RESERVE BANKS
High signals: Directive share
+2.4 SD · Restriction density
+1.9 SD |
3,125 | 0.89 |
| 293 top 10% | 12 CFR 244
CREDIT RISK RETENTION (REGULATION RR)
High signals: Reading grade
+3.8 SD · Size
+1.3 SD |
27,875 | 0.89 |
| 504 top 10% | 12 CFR 239
MUTUAL HOLDING COMPANIES (REGULATION MM)
High signals: Size
+1.9 SD · Restriction density
+1.1 SD |
52,047 | 0.76 |
| 954 | 12 CFR 237
SWAPS MARGIN AND SWAPS PUSH-OUT (REGULATION KK)
High signals: Reading grade
+3.3 SD |
17,514 | 0.57 |
| 1,066 | 12 CFR 243
RESOLUTION PLANS (REGULATION QQ)
High signals: Paperwork share
+1.6 SD |
12,137 | 0.54 |
| 1,330 | 12 CFR 253
REGULATIONS IMPLEMENTING THE ADJUSTABLE INTEREST RATE (LIBOR) ACT (REGULATION ZZ)
High signals: Reading grade
+4.1 SD · Size
+1.5 SD |
32,606 | 0.46 |
| 1,669 | 12 CFR 240
RETAIL FOREIGN EXCHANGE TRANSACTIONS (REGULATION NN)
High signals: none above 1 SD; ranked by the combined score |
9,206 | 0.37 |
| 1,772 | 12 CFR 249
LIQUIDITY RISK MEASUREMENT, STANDARDS, AND MONITORING (REGULATION WW)
High signals: Reading grade
+3.7 SD · Size
+1.4 SD |
31,820 | 0.34 |
| 1,773 | 12 CFR 217
CAPITAL ADEQUACY OF BANK HOLDING COMPANIES, SAVINGS AND LOAN HOLDING COMPANIES, AND STATE MEMBER BANKS (REGULATION Q)
High signals: Size
+2.8 SD · Reading grade
+1.6 SD |
154,858 | 0.34 |
| 1,967 | 12 CFR 238
SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)
High signals: Size
+2.0 SD |
60,387 | 0.28 |
| 2,117 | 12 CFR 248
PROPRIETARY TRADING AND CERTAIN INTERESTS IN AND RELATIONSHIPS WITH COVERED FUNDS (REGULATION VV)
High signals: Reading grade
+2.9 SD · Size
+1.5 SD |
32,461 | 0.25 |
| 2,359 | 12 CFR 263
RULES OF PRACTICE FOR HEARINGS
High signals: Size
+1.8 SD |
47,439 | 0.19 |
| 2,563 | 12 CFR 252
ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)
High signals: Size
+2.4 SD · Reading grade
+1.3 SD |
94,285 | 0.14 |
| 2,812 | 12 CFR 234
DESIGNATED FINANCIAL MARKET UTILITIES (REGULATION HH)
High signals: Reading grade
+3.8 SD |
8,354 | 0.08 |
| 3,106 | 12 CFR 226
TRUTH IN LENDING (REGULATION Z)
High signals: Size
+3.5 SD |
360,088 | 0.02 |
| 3,114 | 12 CFR 209
FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I)
High signals: none above 1 SD; ranked by the combined score |
3,888 | 0.02 |
| 3,121 | 12 CFR 208
MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H)
High signals: Size
+1.8 SD |
49,539 | 0.01 |
| 3,322 | 12 CFR 225
BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)
High signals: Size
+2.7 SD |
137,151 | -0.03 |
| 3,399 | 12 CFR 266
LIMITATIONS ON ACTIVITIES OF FORMER MEMBERS AND EMPLOYEES OF THE BOARD
High signals: none above 1 SD; ranked by the combined score |
1,007 | -0.05 |
| 3,413 | 12 CFR 214
RELATIONS WITH FOREIGN BANKS AND BANKERS (REGULATION N)
High signals: Reading grade
+1.4 SD · Paperwork share
+1.1 SD |
1,195 | -0.05 |
| 3,521 | 12 CFR 211
INTERNATIONAL BANKING OPERATIONS (REGULATION K)
High signals: Size
+1.4 SD |
32,271 | -0.07 |
| 3,541 | 12 CFR 261b
RULES REGARDING PUBLIC OBSERVATION OF MEETINGS
High signals: Reading grade
+1.7 SD |
3,501 | -0.08 |
| 3,623 | 12 CFR 233
PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG)
High signals: Reading grade
+2.2 SD |
6,514 | -0.10 |
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. 248: 386,761 words in 18 parts (21.4% of this agency's text)
- 15 U.S.C. 1604: 375,913 words in 2 parts (20.8% of this agency's text)
- 12 U.S.C. 3806: 360,088 words in 1 parts (19.9% of this agency's text)
- 12 U.S.C. 321: 172,477 words in 2 parts (9.5% of this agency's text)
- 15 U.S.C. 1681s: 169,422 words in 2 parts (9.4% of this agency's text)
- 12 U.S.C. 5365: 154,858 words in 1 parts (8.6% of this agency's text)
- 12 U.S.C. 1817: 137,151 words in 1 parts (7.6% of this agency's text)
- 12 U.S.C. 1462: 112,434 words in 2 parts (6.2% of this agency's text)
- 12 U.S.C. 221: 110,121 words in 4 parts (6.1% of this agency's text)
- 12 U.S.C. 4001: 109,714 words in 1 parts (6.1% of this agency's text)
From the authority notes. A citation is not proof that the statute requires the rule.
Largest parts
- 12 CFR 226: TRUTH IN LENDING (REGULATION Z) (360,088 words)
- 12 CFR 217: CAPITAL ADEQUACY OF BANK HOLDING COMPANIES, SAVINGS AND LOAN HOLDING COMPANIES, AND STATE MEMBER BANKS (REGULATION Q) (154,858 words)
- 12 CFR 225: BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y) (137,151 words)
- 12 CFR 229: AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC) (109,714 words)
- 12 CFR 252: ENHANCED PRUDENTIAL STANDARDS (REGULATION YY) (94,285 words)
- 12 CFR 228: COMMUNITY REINVESTMENT (78,192 words)
- 12 CFR 238: SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL) (60,387 words)
- 12 CFR 239: MUTUAL HOLDING COMPANIES (REGULATION MM) (52,047 words)
- 12 CFR 208: MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H) (49,539 words)
- 12 CFR 205: ELECTRONIC FUND TRANSFERS (REGULATION E) (49,388 words)
Sub-agencies
Reading grade and sentence types are approximate. Simple rules label each sentence; the first match wins.