Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and openWorldHint=false, so the safety profile is covered. The description adds useful context about the returned data fields, including SEPA membership, currency, regex, and an example IBAN, but it does not disclose error behavior for unsupported countries or any other operational traits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.