Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already provide readOnlyHint and destructiveHint, so transparency burden is lower. The description adds source (FRED) and that the rate is 'current', but doesn't disclose return format (e.g., percentage vs decimal) or whether rates are delayed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.