Payments Law — EU payments legislation

Read and compare legal definitions

get_defined_term

Read-onlyIdempotent

Use this to read and compare the held legislative definitions of a term, such as payment transaction in PSD2 and PSR. These are source definitions, not a general dictionary or a legal opinion. Every definition verbatim and resolved, clustered by what the text actually says, with the chronological and concurrent views and word-level comparisons between them. Resolution follows the CITED version, never legislative succession: a definition citing a repealed act resolves to that act and is labelled repealed, not silently replaced by its successor's wording. A term the corpus does not define is refused with suggestions — nothing is substituted. references_in gives the reverse edges: which definitions lean on this one.

Input Schema

Name	Required	Description
`term`	Yes	The defined term, as written in the legislation ("payment account"). Matched exactly after normalisation; a term the corpus does not define is refused with suggestions, never answered with a neighbouring one.
`view`	No	Which text clusters and comparisons run on. "resolved" (default) follows each definition's pointers to its root; "verbatim" uses the text as each instrument prints it.
`on_date`	No	ISO date. Adds operative_on_date and temporal_state_on_date per definer, and makes the concurrent view that date's rather than the release's.
`comparison`	No	Which comparisons to compute. "adjacent" (default) compares consecutive distinct clusters in chronological order; {baseline: cluster_id} compares one cluster against every other; {pair: [cite, cite]} compares two named definitions; {concurrent_pairs: {}} compares every pair that was in force at once.
`instrument`	No	Narrow the definitions listed to one definer. The clusters, views and comparisons stay corpus-wide: what the term means elsewhere does not change because you asked about one instrument.

Output Schema

Name	Required	Description	Default
`data`	Yes
`error`	Yes
`coverage`	Yes
`warnings`	Yes
`pagination`	Yes
`provenance`	Yes
`derivations`	Yes
`corpus_release`	Yes

Schema Changelog

Changes observed during successful MCP inspections.

Changed1 schema field changedOct 14, 2026

changedInput schema / properties / instrument / anyOf

Previous value: -[
-  {
-    "maxLength": 64,
-    "pattern": "^[a-z0-9]+(?:-[a-z0-9]+)*$",
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 64,
+    "pattern": "^[A-Za-z0-9]+(?:[ ._-][A-Za-z0-9]+)*$",
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Changed6 schema fields changedOct 4, 2026

changedInput schema / properties / comparison / anyOf

Previous value: -[
-  {
-    "anyOf": [
-      {
-        "const": "adjacent",
-        "type": "string"
-      },
-      {
-        "properties": {
-          "baseline": {
-            "type": "string"
-          }
-        },
-        "required": [
-          "baseline"
-        ],
-        "type": "object"
-      },
-      {
-        "properties": {
-          "pair": {
-            "items": false,
-            "maxItems": 2,
-            "minItems": 2,
-            "prefixItems": [
-              {
-                "type": "string"
-              },
-              {
-                "type": "string"
-              }
-            ],
-            "type": "array"
-          }
-        },
-        "required": [
-          "pair"
-        ],
-        "type": "object"
-      },
-      {
-        "properties": {
-          "concurrent_pairs": {
-            "properties": {
-              "cursor": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              }
-            },
-            "type": "object"
-          }
-        },
-        "required": [
-          "concurrent_pairs"
-        ],
-        "type": "object"
-      }
-    ]
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "anyOf": [
+      {
+        "const": "adjacent",
+        "type": "string"
+      },
+      {
+        "properties": {
+          "baseline": {
+            "maxLength": 64,
+            "pattern": "^[0-9a-f]+$",
+            "type": "string"
+          }
+        },
+        "required": [
+          "baseline"
+        ],
+        "type": "object"
+      },
+      {
+        "properties": {
+          "pair": {
+            "items": false,
+            "maxItems": 2,
+            "minItems": 2,
+            "prefixItems": [
+              {
+                "maxLength": 128,
+                "pattern": "^[A-Za-z0-9 ()-]+$",
+                "type": "string"
+              },
+              {
+                "maxLength": 128,
+                "pattern": "^[A-Za-z0-9 ()-]+$",
+                "type": "string"
+              }
+            ],
+            "type": "array"
+          }
+        },
+        "required": [
+          "pair"
+        ],
+        "type": "object"
+      },
+      {
+        "properties": {
+          "concurrent_pairs": {
+            "properties": {
+              "cursor": {
+                "anyOf": [
+                  {
+                    "maxLength": 512,
+                    "pattern": "^[A-Za-z0-9_-]+$",
+                    "type": "string"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              }
+            },
+            "type": "object"
+          }
+        },
+        "required": [
+          "concurrent_pairs"
+        ],
+        "type": "object"
+      }
+    ]
+  },
+  {
+    "type": "null"
+  }
+]

addedInput schema / properties / instrument / anyOf

Added value: +[
+  {
+    "maxLength": 64,
+    "pattern": "^[a-z0-9]+(?:-[a-z0-9]+)*$",
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

removedInput schema / properties / instrument / type
```
Removed value: -[
-  "string",
-  "null"
-]
```

addedInput schema / properties / on_date / anyOf

Added value: +[
+  {
+    "maxLength": 32,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

removedInput schema / properties / on_date / type
```
Removed value: -[
-  "string",
-  "null"
-]
```
addedInput schema / properties / term / maxLength
```
Added value: +256
```

Changed7 schema fields changedSep 20, 2026

changedInput schema / properties / comparison / anyOf

Previous value: -[
-  {
-    "anyOf": [
-      {
-        "const": "adjacent",
-        "type": "string"
-      },
-      {
-        "properties": {
-          "baseline": {
-            "type": "string"
-          }
-        },
-        "required": [
-          "baseline"
-        ],
-        "type": "object"
-      },
-      {
-        "properties": {
-          "pair": {
-            "prefixItems": [
-              {
-                "type": "string"
-              },
-              {
-                "type": "string"
-              }
-            ],
-            "type": "array"
-          }
-        },
-        "required": [
-          "pair"
-        ],
-        "type": "object"
-      },
-      {
-        "properties": {
-          "concurrent_pairs": {
-            "properties": {
-              "cursor": {
-                "anyOf": [
-                  {
-                    "type": "string"
-                  },
-                  {
-                    "type": "null"
-                  }
-                ]
-              }
-            },
-            "type": "object"
-          }
-        },
-        "required": [
-          "concurrent_pairs"
-        ],
-        "type": "object"
-      }
-    ]
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "anyOf": [
+      {
+        "const": "adjacent",
+        "type": "string"
+      },
+      {
+        "properties": {
+          "baseline": {
+            "type": "string"
+          }
+        },
+        "required": [
+          "baseline"
+        ],
+        "type": "object"
+      },
+      {
+        "properties": {
+          "pair": {
+            "items": false,
+            "maxItems": 2,
+            "minItems": 2,
+            "prefixItems": [
+              {
+                "type": "string"
+              },
+              {
+                "type": "string"
+              }
+            ],
+            "type": "array"
+          }
+        },
+        "required": [
+          "pair"
+        ],
+        "type": "object"
+      },
+      {
+        "properties": {
+          "concurrent_pairs": {
+            "properties": {
+              "cursor": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              }
+            },
+            "type": "object"
+          }
+        },
+        "required": [
+          "concurrent_pairs"
+        ],
+        "type": "object"
+      }
+    ]
+  },
+  {
+    "type": "null"
+  }
+]

removedInput schema / properties / instrument / anyOf

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

addedInput schema / properties / instrument / type
```
Added value: +[
+  "string",
+  "null"
+]
```

removedInput schema / properties / on_date / anyOf

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

addedInput schema / properties / on_date / type
```
Added value: +[
+  "string",
+  "null"
+]
```

changedOutput schema / properties / data / anyOf

Previous value: -[
-  {
-    "additionalProperties": {},
-    "properties": {
-      "clusters": {
-        "items": {
-          "additionalProperties": {},
-          "properties": {
-            "cluster_id": {
-              "type": "string"
-            },
-            "member_cites": {
-              "items": {
-                "type": "string"
-              },
-              "type": "array"
-            }
-          },
-          "required": [
-            "cluster_id",
-            "member_cites"
-          ],
-          "type": "object"
-        },
-        "type": "array"
-      },
-      "comparisons": {
-        "items": {
-          "additionalProperties": {},
-          "properties": {
-            "from_cite": {
-              "type": "string"
-            },
-            "ops": {
-              "anyOf": [
-                {
-                  "items": {
-                    "prefixItems": [
-                      {
-                        "type": "string"
-                      },
-                      {
-                        "type": "string"
-                      }
-                    ],
-                    "type": "array"
-                  },
-                  "type": "array"
-                },
-                {
-                  "type": "null"
-                }
-              ]
-            },
-            "to_cite": {
-              "type": "string"
-            }
-          },
-          "required": [
-            "from_cite",
-            "to_cite",
-            "ops"
-          ],
-          "type": "object"
-        },
-        "type": "array"
-      },
-      "definitions": {
-        "items": {
-          "additionalProperties": {},
-          "properties": {
-            "cite": {
-              "type": "string"
-            },
-            "defined_within": {
-              "anyOf": [
-                {
-                  "type": "string"
-                },
-                {
-                  "type": "null"
-                }
-              ]
-            },
-            "instrument_id": {
-              "type": "string"
-            },
-            "qualifier": {
-              "anyOf": [
-                {
-                  "type": "string"
-                },
-                {
-                  "type": "null"
-                }
-              ]
-            },
-            "resolution_status": {
-              "type": "string"
-            },
-            "resolved_definition": {
-              "type": "string"
-            },
-            "verbatim_definition": {
-              "type": "string"
-            }
-          },
-          "required": [
-            "instrument_id",
-            "qualifier",
-            "defined_within",
-            "cite",
-            "verbatim_definition",
-            "resolved_definition",
-            "resolution_status"
-          ],
-          "type": "object"
-        },
-        "type": "array"
-      },
-      "references_in": {
-        "items": {
-          "additionalProperties": {},
-          "properties": {
-            "cite": {
-              "type": "string"
-            },
-            "instrument_id": {
-              "type": "string"
-            }
-          },
-          "required": [
-            "instrument_id",
-            "cite"
-          ],
-          "type": "object"
-        },
-        "type": "array"
-      },
-      "term": {
-        "type": "string"
-      },
-      "view": {
-        "type": "string"
-      },
-      "views": {
-        "additionalProperties": {},
-        "properties": {
-          "concurrent": {
-            "items": {
-              "additionalProperties": {},
-              "properties": {
-                "cite": {
-                  "type": "string"
-                }
-              },
-              "required": [
-                "cite"
-              ],
-              "type": "object"
-            },
-            "type": "array"
-          },
-          "evolution": {
-            "items": {
-              "additionalProperties": {},
-              "properties": {
-                "cite": {
-                  "type": "string"
-                }
-              },
-              "required": [
-                "cite"
-              ],
-              "type": "object"
-            },
-            "type": "array"
-          }
-        },
-        "required": [
-          "evolution",
-          "concurrent"
-        ],
-        "type": "object"
-      }
-    },
-    "required": [
-      "term",
-      "view",
-      "definitions",
-      "clusters",
-      "views",
-      "comparisons",
-      "references_in"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": {},
+    "properties": {
+      "clusters": {
+        "items": {
+          "additionalProperties": {},
+          "properties": {
+            "cluster_id": {
+              "type": "string"
+            },
+            "member_cites": {
+              "items": {
+                "type": "string"
+              },
+              "type": "array"
+            }
+          },
+          "required": [
+            "cluster_id",
+            "member_cites"
+          ],
+          "type": "object"
+        },
+        "type": "array"
+      },
+      "comparisons": {
+        "items": {
+          "additionalProperties": {},
+          "properties": {
+            "from_cite": {
+              "type": "string"
+            },
+            "ops": {
+              "anyOf": [
+                {
+                  "items": {
+                    "items": false,
+                    "maxItems": 2,
+                    "minItems": 2,
+                    "prefixItems": [
+                      {
+                        "type": "string"
+                      },
+                      {
+                        "type": "string"
+                      }
+                    ],
+                    "type": "array"
+                  },
+                  "type": "array"
+                },
+                {
+                  "type": "null"
+                }
+              ]
+            },
+            "to_cite": {
+              "type": "string"
+            }
+          },
+          "required": [
+            "from_cite",
+            "to_cite",
+            "ops"
+          ],
+          "type": "object"
+        },
+        "type": "array"
+      },
+      "definitions": {
+        "items": {
+          "additionalProperties": {},
+          "properties": {
+            "cite": {
+              "type": "string"
+            },
+            "defined_within": {
+              "type": [
+                "string",
+                "null"
+              ]
+            },
+            "instrument_id": {
+              "type": "string"
+            },
+            "qualifier": {
+              "type": [
+                "string",
+                "null"
+              ]
+            },
+            "resolution_status": {
+              "type": "string"
+            },
+            "resolved_definition": {
+              "type": "string"
+            },
+            "verbatim_definition": {
+              "type": "string"
+            }
+          },
+          "required": [
+            "instrument_id",
+            "qualifier",
+            "defined_within",
+            "cite",
+            "verbatim_definition",
+            "resolved_definition",
+            "resolution_status"
+          ],
+          "type": "object"
+        },
+        "type": "array"
+      },
+      "references_in": {
+        "items": {
+          "additionalProperties": {},
+          "properties": {
+            "cite": {
+              "type": "string"
+            },
+            "instrument_id": {
+              "type": "string"
+            }
+          },
+          "required": [
+            "instrument_id",
+            "cite"
+          ],
+          "type": "object"
+        },
+        "type": "array"
+      },
+      "term": {
+        "type": "string"
+      },
+      "view": {
+        "type": "string"
+      },
+      "views": {
+        "additionalProperties": {},
+        "properties": {
+          "concurrent": {
+            "items": {
+              "additionalProperties": {},
+              "properties": {
+                "cite": {
+                  "type": "string"
+                }
+              },
+              "required": [
+                "cite"
+              ],
+              "type": "object"
+            },
+            "type": "array"
+          },
+          "evolution": {
+            "items": {
+              "additionalProperties": {},
+              "properties": {
+                "cite": {
+                  "type": "string"
+                }
+              },
+              "required": [
+                "cite"
+              ],
+              "type": "object"
+            },
+            "type": "array"
+          }
+        },
+        "required": [
+          "evolution",
+          "concurrent"
+        ],
+        "type": "object"
+      }
+    },
+    "required": [
+      "term",
+      "view",
+      "definitions",
+      "clusters",
+      "views",
+      "comparisons",
+      "references_in"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

changedOutput schema / properties / pagination / anyOf

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "complete": {
-        "type": "boolean"
-      },
-      "next_cursor": {
-        "anyOf": [
-          {
-            "type": "string"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "total": {
-        "type": "number"
-      }
-    },
-    "required": [
-      "complete",
-      "next_cursor"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "complete": {
+        "type": "boolean"
+      },
+      "next_cursor": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "total": {
+        "type": "number"
+      }
+    },
+    "required": [
+      "complete",
+      "next_cursor"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

First observedSep 6, 2026

TDQS

A4.4/5.0

Behavior5/5

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

Annotations cover the safety profile (readOnly, idempotent, non-destructive, closed-world), and the description adds substantial behavior beyond them: resolution follows the CITED version rather than legislative succession, repealed definitions are labelled rather than silently replaced, undefined terms are refused with suggestions and never substituted, and references_in exposes reverse edges. This is exactly the additional context annotations cannot carry.

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?

Purpose is front-loaded in the first sentence, and the dense middle sentences on resolution and refusal each earn their place by preventing a real failure mode. The trailing "references_in" sentence is slightly abrupt and could be better integrated, keeping it short of a 5.

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?

With a full input schema, an output schema (so return shape needn't be explained) and complete safety annotations, the description's remaining burden is small, and it covers the non-obvious semantics: resolution rules, refusal behavior, view/comparison structure and reverse edges. An agent has enough to call it correctly.

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

Parameters3/5

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

Schema description coverage is 100%, so the schema already documents term, view, on_date, comparison and instrument in detail, establishing a baseline of 3. The description supplies conceptual framing (clustered by what the text actually says, chronological and concurrent views, cited-version resolution) but little per-parameter detail beyond the schema.

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?

States a specific verb pair (read and compare) and a precise resource (the held legislative definitions of a term), with a concrete example ("payment transaction in PSD2 and PSR"). It also sharply distinguishes what it is not ("not a general dictionary or a legal opinion"), letting an agent separate it from siblings like search_defined_terms.

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 opening "Use this to read and compare..." gives clear context and the description scopes the content type with an explicit exclusion ("not a general dictionary or a legal opinion"). However, it never names an alternative sibling (e.g. search_defined_terms for finding a term) or states when to prefer them, so the routing guidance is implicit rather than explicit.

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

All Payments Law — EU payments legislation tools Inspect

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