Private Law Wiki

Assess a problem with a bank

assess_bank_case

Read-onlyIdempotent

The complaint desk's deterministic assessment for a frozen account, a closure notice, a document request, a stuck payment or a refused application: what to do now, the escalation ladder of the bank's jurisdiction (bank complaint, ombudsman or regulator, data access request) with each rung judged for this client — open now, after the bank replies, conditional or not open to them — and linked to its primary source, plus deadlines, cautions and the help that fits. Also returns the letters to send — the formal complaint that starts the bank's clock and the data access request, in English with bracketed placeholders the person fills in themselves — and the dates that follow if they go out today. Pass holder whenever it is known: an ombudsman's door depends on whose account it is. Information, not legal advice. Never submit a person's contact details; hand them the complaint URL instead.

Input Schema

TableJSON Schema

Name	Required	Description
`stage`	Yes
`today`	No	The client's current date (YYYY-MM-DD) for the calendar. Optional; defaults to the server's date.
`amount`	Yes
`holder`	No	Whose account it is. Optional; without it eligibility is stated, not decided.
`locale`	No
`problem`	Yes
`sanctions`	Yes	Russia or Belarus nexus of the client.
`jurisdiction`	Yes	Where the bank or the neobank's licence sits.

Output Schema

TableJSON Schema

Name	Required	Description	Default
`letters`	Yes
`service`	Yes
`verdict`	Yes
`articles`	Yes
`calendar`	Yes
`cautions`	Yes
`headline`	Yes
`deadlines`	Yes
`escalation`	Yes
`firstSteps`	Yes
`complaintUrl`	Yes

Schema Changelog

Changes observed during successful MCP inspections.

Changed1 schema field changedOct 8, 2026

changedOutput schema / properties / articles / items / properties / provenance / properties / version / description

Previous value: -"Revision of exactly the material served: for an article the snapshot content hash (the HTML ETag value); for a dataset record the dataset revision it was published in, since the published file is named by the hash of its own content and meta.version plus datasets/index.json resolve that filename. Null when unknown."New value: +"Revision of exactly the material served: for an article the snapshot content hash (the HTML ETag value); for a dataset record the dataset revision it was published in, not the published filename. Null when unknown."

Changed4 schema fields changedSep 21, 2026

addedInput schema / properties / today

Added value: +{
+  "description": "The client's current date (YYYY-MM-DD) for the calendar. Optional; defaults to the server's date.",
+  "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
+  "type": "string"
+}

addedOutput schema / properties / calendar

Added value: +{
+  "items": {
+    "properties": {
+      "date": {
+        "type": "string"
+      },
+      "label": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "label",
+      "date"
+    ],
+    "type": "object"
+  },
+  "type": "array"
+}

addedOutput schema / properties / letters

Added value: +{
+  "items": {
+    "properties": {
+      "body": {
+        "type": "string"
+      },
+      "kind": {
+        "enum": [
+          "complaint",
+          "data_request"
+        ],
+        "type": "string"
+      },
+      "purpose": {
+        "type": "string"
+      },
+      "title": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "kind",
+      "title",
+      "purpose",
+      "body"
+    ],
+    "type": "object"
+  },
+  "type": "array"
+}

changedOutput schema / required

Previous value: -[
-  "headline",
-  "verdict",
-  "firstSteps",
-  "escalation",
-  "deadlines",
-  "service",
-  "cautions",
-  "articles",
-  "complaintUrl"
-]New value: +[
+  "headline",
+  "verdict",
+  "firstSteps",
+  "escalation",
+  "deadlines",
+  "calendar",
+  "letters",
+  "service",
+  "cautions",
+  "articles",
+  "complaintUrl"
+]

Changed8 schema fields changedSep 21, 2026

addedInput schema / properties / holder

Added value: +{
+  "description": "Whose account it is. Optional; without it eligibility is stated, not decided.",
+  "enum": [
+    "individual",
+    "small_business",
+    "company"
+  ],
+  "type": "string"
+}

addedOutput schema / properties / escalation / items / properties / source
```
Added value: +{
+  "type": "string"
+}
```

addedOutput schema / properties / escalation / items / properties / status

Added value: +{
+  "enum": [
+    "open",
+    "later",
+    "conditional",
+    "closed"
+  ],
+  "type": "string"
+}

addedOutput schema / properties / escalation / items / properties / statusNote
```
Added value: +{
+  "type": "string"
+}
```
addedOutput schema / properties / escalation / items / properties / who
```
Added value: +{
+  "type": "string"
+}
```

changedOutput schema / properties / escalation / items / required

Previous value: -[
-  "name",
-  "when",
-  "how"
-]New value: +[
+  "name",
+  "when",
+  "how",
+  "who",
+  "status",
+  "statusNote"
+]

addedOutput schema / properties / verdict
```
Added value: +{
+  "type": "string"
+}
```

changedOutput schema / required

Previous value: -[
-  "headline",
-  "firstSteps",
-  "escalation",
-  "deadlines",
-  "service",
-  "cautions",
-  "articles",
-  "complaintUrl"
-]New value: +[
+  "headline",
+  "verdict",
+  "firstSteps",
+  "escalation",
+  "deadlines",
+  "service",
+  "cautions",
+  "articles",
+  "complaintUrl"
+]

AddedSep 17, 2026

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