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C4C: Mortgage Industry Regulations

Search regulations

search_regs
Read-onlyIdempotent

Full-text search of US mortgage regulator text (Fannie Mae, Freddie Mac, FHA, VA, USDA, Ginnie Mae, SBA, CFPB). Inputs: query; optional family (one agency), limit (1-25), currency_kind (only sections carrying that currency signal; "any" = any signal). Common abbreviations (DTI, LTV, IRRRL, W-2, VOE, PITI, BK...) are expanded to the regulator's terms. Each result is one section: title, obligation_id, canonical_citation (the citation in the regulator's style, or null) and excerpt, a verbatim fragment near the match, not the whole rule. match is "all_terms" or "partial"; a partial result lists the query words it lacks in missing_terms. Order: rank_score, highest first = text score (title-weighted) x term coverage x title fit, with superseded, pending, incorporated or expired text x0.2, a special program's section (special_program: Home Possible, HomeReady, 203(k), HECM...) x0.5 unless the query names the program, and obligation_type "note" (source-credit notes) or "index" (a chapter heading) x0.2 unless the query asks for them. section_status "deleted" marks a deleted-section stub, ranked last. A query that is a citation returns the cited section first and sets cited; a bare handbook name ("HUD 4000.1") adds handbook, an outline of its parts. currency is null or a version/status signal whose kinds include dual-version, pending, revision-pending, superseded, superseded-in-part (a Mortgagee Letter replaced some provisions, named in headline), modified-by (a later issuance changes it, optional until its mandatory date) and expired. version "in-force" or "update-18-optional" marks the two texts of an FHA section HUD's Update 18 revises (mandatory_date for the revision); other_version is the other text's obligation_id. Empty results carry reason (empty_query, no_match, no_match_above_threshold) and may carry guidance naming shorthand in the query.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
limitNo
queryYes
familyNohud = HUD/FHA Single Family (Handbook 4000.1, Mortgagee Letters); hudmf = HUD/FHA Multifamily (MAP Guide 4430.G, multifamily Mortgagee Letters); va; fnma = Fannie Mae; fhlmc = Freddie Mac; gnma = Ginnie Mae; usda; sba.
currency_kindNoRestricts results to sections carrying this currency signal; "any" = any signal.

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault
hintNoOn an error: the server's explanation.
noteNoA note on this result.
citedNoWhen the query is a citation: {citation, register_ids}.
errorNoPresent only on an error or refusal: not_found, ambiguous, unparsed, empty_terms, unknown_playbook, unknown_reference, offset_out_of_range, daily_capacity_reached.
noticeNoTerms notice: research use only, not legal advice.
reasonNoWith empty results: empty_query, no_match or no_match_above_threshold.
resetsNoOn daily_capacity_reached: when capacity resets (00:00 UTC).
resultsNoRanked sections, highest rank_score first (may be empty).
fallbackNoOn daily_capacity_reached: where the full corpus can be downloaded.
guidanceNoOn a refusal or empty search: the server's explanation.
handbookNoWhen the query names a whole handbook: its outline.

Schema Changelog

Changes observed during successful MCP inspections.

  1. Changed2 schema fields changed
    • addedInput schema / properties / family / description
      Added value: +"hud = HUD/FHA Single Family (Handbook 4000.1, Mortgagee Letters); hudmf = HUD/FHA Multifamily (MAP Guide 4430.G, multifamily Mortgagee Letters); va; fnma = Fannie Mae; fhlmc = Freddie Mac; gnma = Ginnie Mae; usda; sba."
    • changedInput schema / properties / family / enum
      Previous value: -[
      -  "hud",
      -  "va",
      -  "fnma",
      -  "fhlmc",
      -  "gnma",
      -  "usda",
      -  "sba"
      -]New value: +[
      +  "hud",
      +  "hudmf",
      +  "va",
      +  "fnma",
      +  "fhlmc",
      +  "gnma",
      +  "usda",
      +  "sba"
      +]
  2. Changed2 schema fields changed
    • addedOutput schema / properties / results / items / properties / page_url
      Added value: +{
      +  "description": "The section's page on claudeforcompliance.com (verbatim text, currency notices, link to the regulator).",
      +  "type": "string"
      +}
    • addedOutput schema / properties / results / items / properties / source_url
      Added value: +{
      +  "description": "The regulator's URL for the document.",
      +  "type": "string"
      +}
  3. Changed1 schema field changed
    • changedInput schema / properties / currency_kind / enum
      Previous value: -[
      -  "any",
      -  "dual-version",
      -  "revision-pending",
      -  "pending",
      -  "expires",
      -  "expired",
      -  "superseded",
      -  "predates-statute",
      -  "incorporated",
      -  "incorporated-update-18",
      -  "revised",
      -  "revised-this-update",
      -  "source-relocated",
      -  "proposed",
      -  "directive-watch",
      -  "vacated-watch",
      -  "superseded-in-part",
      -  "modified-by",
      -  "deleted",
      -  "optional-now",
      -  "amends",
      -  "time-limited"
      -]New value: +[
      +  "any",
      +  "dual-version",
      +  "revision-pending",
      +  "pending",
      +  "expires",
      +  "expired",
      +  "superseded",
      +  "predates-statute",
      +  "incorporated",
      +  "incorporated-update-18",
      +  "revised",
      +  "revised-this-update",
      +  "source-relocated",
      +  "proposed",
      +  "directive-watch",
      +  "vacated-watch",
      +  "superseded-in-part",
      +  "modified-by",
      +  "deleted",
      +  "optional-now",
      +  "amends",
      +  "time-limited",
      +  "note"
      +]
  4. Changed2 schema fields changed
    • changedInput schema / properties / currency_kind / description
      Previous value: -"Only sections carrying this currency signal, e.g. \"dual-version\", \"pending\", \"revision-pending\"; \"any\" for any signal."New value: +"Restricts results to sections carrying this currency signal; \"any\" = any signal."
    • changedOutput schema / (root)
      Previous value: -nullNew value: +{
      +  "$schema": "https://json-schema.org/draft/2020-12/schema",
      +  "additionalProperties": {},
      +  "description": "search_regs result.",
      +  "properties": {
      +    "cited": {
      +      "description": "When the query is a citation: {citation, register_ids}."
      +    },
      +    "error": {
      +      "description": "Present only on an error or refusal: not_found, ambiguous, unparsed, empty_terms, unknown_playbook, unknown_reference, offset_out_of_range, daily_capacity_reached.",
      +      "type": "string"
      +    },
      +    "fallback": {
      +      "description": "On daily_capacity_reached: where the full corpus can be downloaded.",
      +      "type": "string"
      +    },
      +    "guidance": {
      +      "description": "On a refusal or empty search: the server's explanation.",
      +      "type": "string"
      +    },
      +    "handbook": {
      +      "description": "When the query names a whole handbook: its outline."
      +    },
      +    "hint": {
      +      "description": "On an error: the server's explanation.",
      +      "type": "string"
      +    },
      +    "note": {
      +      "description": "A note on this result.",
      +      "type": "string"
      +    },
      +    "notice": {
      +      "description": "Terms notice: research use only, not legal advice.",
      +      "type": "string"
      +    },
      +    "reason": {
      +      "description": "With empty results: empty_query, no_match or no_match_above_threshold.",
      +      "type": "string"
      +    },
      +    "resets": {
      +      "description": "On daily_capacity_reached: when capacity resets (00:00 UTC).",
      +      "type": "string"
      +    },
      +    "results": {
      +      "description": "Ranked sections, highest rank_score first (may be empty).",
      +      "items": {
      +        "additionalProperties": {},
      +        "properties": {
      +          "also_at": {
      +            "description": "Same-text copies dropped from the list."
      +          },
      +          "authority": {
      +            "description": "The document and section title.",
      +            "type": "string"
      +          },
      +          "canonical_citation": {
      +            "description": "The citation in the regulator's style (e.g. \"4000.1 II.A.5.d\", \"B3-3.3-07\"), or null.",
      +            "type": [
      +              "string",
      +              "null"
      +            ]
      +          },
      +          "currency": {
      +            "description": "null, or a version/status signal {kind, headline, detail, effective_date, mandatory_date, expires_on, as_of, links}; kind e.g. dual-version, pending, revision-pending, superseded, superseded-in-part, modified-by, expired."
      +          },
      +          "excerpt": {
      +            "description": "A verbatim fragment near the match; not the whole rule.",
      +            "type": "string"
      +          },
      +          "mandatory_date": {
      +            "description": "On an Update 18 revision: when it becomes mandatory.",
      +            "type": "string"
      +          },
      +          "match": {
      +            "description": "all_terms or partial.",
      +            "type": "string"
      +          },
      +          "missing_terms": {
      +            "description": "On partial: the query terms this section lacks.",
      +            "items": {
      +              "type": "string"
      +            },
      +            "type": "array"
      +          },
      +          "obligation_id": {
      +            "description": "The obligation (section) id.",
      +            "type": "string"
      +          },
      +          "obligation_type": {
      +            "description": "note or index: not rule text.",
      +            "type": "string"
      +          },
      +          "other_version": {
      +            "description": "On a dual-version section: the other version's obligation_id.",
      +            "type": "string"
      +          },
      +          "rank_score": {
      +            "description": "The score results are ordered by.",
      +            "type": "number"
      +          },
      +          "register_id": {
      +            "description": "The register id.",
      +            "type": "string"
      +          },
      +          "section": {
      +            "description": "The section title.",
      +            "type": "string"
      +          },
      +          "section_status": {
      +            "description": "\"deleted\": a deleted-section stub.",
      +            "type": "string"
      +          },
      +          "section_status_date": {
      +            "description": "Date of section_status.",
      +            "type": "string"
      +          },
      +          "special_program": {
      +            "description": "The special program this section belongs to (ranked x0.5).",
      +            "type": "string"
      +          },
      +          "version": {
      +            "description": "On a dual-version FHA section: \"in-force\" or \"update-18-optional\".",
      +            "type": "string"
      +          }
      +        },
      +        "type": "object"
      +      },
      +      "type": "array"
      +    }
      +  },
      +  "type": "object"
      +}
  5. Changed1 schema field changed
    • changedInput schema / properties / currency_kind / enum
      Previous value: -[
      -  "any",
      -  "dual-version",
      -  "revision-pending",
      -  "pending",
      -  "expires",
      -  "expired",
      -  "superseded",
      -  "predates-statute",
      -  "incorporated",
      -  "incorporated-update-18",
      -  "revised",
      -  "revised-this-update",
      -  "source-relocated",
      -  "proposed",
      -  "directive-watch",
      -  "vacated-watch",
      -  "superseded-in-part",
      -  "modified-by",
      -  "deleted"
      -]New value: +[
      +  "any",
      +  "dual-version",
      +  "revision-pending",
      +  "pending",
      +  "expires",
      +  "expired",
      +  "superseded",
      +  "predates-statute",
      +  "incorporated",
      +  "incorporated-update-18",
      +  "revised",
      +  "revised-this-update",
      +  "source-relocated",
      +  "proposed",
      +  "directive-watch",
      +  "vacated-watch",
      +  "superseded-in-part",
      +  "modified-by",
      +  "deleted",
      +  "optional-now",
      +  "amends",
      +  "time-limited"
      +]
  6. Changed1 schema field changed
    • changedInput schema / properties / currency_kind / enum
      Previous value: -[
      -  "any",
      -  "dual-version",
      -  "revision-pending",
      -  "pending",
      -  "expires",
      -  "expired",
      -  "superseded",
      -  "predates-statute",
      -  "incorporated",
      -  "incorporated-update-18",
      -  "revised",
      -  "revised-this-update",
      -  "source-relocated",
      -  "proposed",
      -  "directive-watch",
      -  "vacated-watch"
      -]New value: +[
      +  "any",
      +  "dual-version",
      +  "revision-pending",
      +  "pending",
      +  "expires",
      +  "expired",
      +  "superseded",
      +  "predates-statute",
      +  "incorporated",
      +  "incorporated-update-18",
      +  "revised",
      +  "revised-this-update",
      +  "source-relocated",
      +  "proposed",
      +  "directive-watch",
      +  "vacated-watch",
      +  "superseded-in-part",
      +  "modified-by",
      +  "deleted"
      +]
  7. Changed1 schema field changed
    • addedInput schema / properties / currency_kind
      Added value: +{
      +  "description": "Only sections carrying this currency signal, e.g. \"dual-version\", \"pending\", \"revision-pending\"; \"any\" for any signal.",
      +  "enum": [
      +    "any",
      +    "dual-version",
      +    "revision-pending",
      +    "pending",
      +    "expires",
      +    "expired",
      +    "superseded",
      +    "predates-statute",
      +    "incorporated",
      +    "incorporated-update-18",
      +    "revised",
      +    "revised-this-update",
      +    "source-relocated",
      +    "proposed",
      +    "directive-watch",
      +    "vacated-watch"
      +  ],
      +  "type": "string"
      +}
  8. First observed

TDQS

A4/5.0
Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already declare readOnlyHint/idempotent/non-destructive, so the bar is to add context — and this substantially does: the ranking formula, the x0.2/x0.5 penalties for superseded, note/index, and special-program text, deleted-stub handling, citation-query behavior, and `reason` codes for empty results. This is unusually rich behavioral disclosure beyond what annotations provide.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness3/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The purpose is front-loaded, but the body is a dense single block covering ranking internals and return-field details, which is heavy given an output schema already exists. Most sentences earn their place, yet the wall-of-text format and repetition of schema-provided details work against scannability.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a complex, high-cardinality search tool, the description supplies essentially everything an agent needs: scope, ranking rationale, status/currency handling, citation-query behavior, and empty-result reasons. Return fields are explained even though an output schema exists, so nothing material is missing.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 50%, so the description must compensate. It does so by giving semantics to several `currency_kind` signals (dual-version, superseded-in-part, modified-by, expired) that the schema enum only lists by name, and explains the abbreviation-expansion behavior of `query`. `family` and `limit` restate the schema, limiting the added value.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose4/5

Does the description clearly state what the tool does and how it differs from similar tools?

It opens with a precise verb+resource — 'Full-text search of US mortgage regulator text' — and enumerates the covered agencies, so the domain is unmistakable. The single-result-is-one-section framing clarifies granularity. It stops short of explicitly contrasting itself with siblings like get_reg, find_in_section, or lookup_citation, so the boundary is inferable rather than stated.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines3/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Usage is implied by the broad-corpus scope, but the description never states when to prefer this over get_reg or lookup_citation, nor when a targeted lookup should replace a search. It covers behavioral edge cases (empty results carry `guidance`) but gives no when-to-use/when-not guidance relative to alternatives.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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