Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the read-only, idempotent, non-destructive nature, so the description adds value by disclosing what the returned record includes (summary, outcome, penalty, source link) and that it returns an 'official regulator source link'. This goes beyond the annotations without contradicting them.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.