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C4C: Mortgage Industry Regulations

Verify quote

verify_quote
Read-onlyIdempotent

Check whether a passage of text actually appears in the regulator's source document. Works on text from ANY source, not only text this server returned -- use it to check your own draft answer before presenting it. Outcomes: 'exact' (contiguous in source character for character -- quote marks and dashes as the source writes them; a line break counts as a space), 'normalized' (matches only after typography folding -- straight vs curly quotes, dash kinds, ' vs " -- typography_folded: true), 'composed' (every word traceable to source but assembled from non-contiguous pieces in source order -- legitimate for section overviews, and the outcome for a quote whose elisions are marked with an ellipsis ('…' or '...'); ALWAYS check omissions, the short source phrases that were skipped, since a dropped 'not' changes meaning), 'not_found' (no source support -- do not present this text as a quotation; unsupported lists the spans with no support; on a near miss differences names the source words the text lacks and the words it adds, e.g. a dropped 'not'). Passages over 5,000 words are refused as 'not_checked'. Pass register_id when you know it; otherwise up to 3 candidate source documents are located by search, named in checked_against (document, edition, retrieval date; ids in checked_snapshot_ids). A match also carries matched_version: 'current', or 'superseded' when the text is a PRIOR version of the rule (with superseded_register_id, superseded_by = the current register, and dates) -- quote superseded text only as the prior version, never as current. 'update-18-optional' means the text is HUD's Update 18 revision of an FHA 4000.1 section: optional now, mandatory on mandatory_date, not the text in force by default (in_force_obligation_id) -- present it as the Update 18 version.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
textYes
register_idNo

Schema Changelog

Changes observed during successful MCP inspections.

  1. First observed

TDQS

A4.6/5.0
Behavior5/5

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

Annotations already declare readOnlyHint=true and idempotentHint=true, but the description adds substantial behavioral context: exact outcome categories, the 5,000-word refusal limit, the meaning of 'normalized' matches, the requirement to check omissions, and version semantics including superseded and update-18-optional states. This goes well beyond the annotations and is highly transparent.

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

Conciseness4/5

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

The description is long but every section earns its place: purpose, outcome taxonomy, operational constraints, and version nuances. It is front-loaded with the core purpose. A slight reduction could improve scannability, but the density is justified for a tool with complex result semantics and no output schema.

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?

Given the absence of an output schema and the tool's nuanced outcomes, the description is remarkably complete. It covers exact, normalized, composed, not_found, and not_checked outcomes, explains the omitted-span risk, names the response fields an agent should check, and addresses versioning and update-18 status. An agent has enough context to invoke and interpret the tool correctly.

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 description coverage is 0%, so the description must compensate for the bare parameter definitions. It does clarify that the tool checks a passage of text and that register_id can be passed when known, adding meaning to both parameters. However, it never explicitly names the parameters as 'text' or 'register_id' nor specifies register_id format, leaving some minor ambiguity.

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

Purpose5/5

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

The description opens with a specific verb and resource: 'Check whether a passage of text actually appears in the regulator's source document.' It clearly distinguishes this from sibling tools by emphasizing verification against source documents and even notes it works on text from any source, not just text the server returned.

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

Usage Guidelines4/5

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

The description explicitly says to use this tool to check your own draft answer before presenting it, which is direct usage guidance. It also explains when to pass register_id versus letting up to 3 candidate sources be located by search. It does not explicitly name sibling alternatives or exclusion conditions, so it stops short of a 5.

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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