FDIC bank lookup and coverage
Scored across 3 tools
Each tool has a clearly distinct purpose: find_bank resolves identity/cert numbers, bank_history reports structure and failures, estimate_deposit_coverage computes insured amounts. Descriptions explicitly cross-reference each other (e.g. 'does not estimate coverage (use estimate_deposit_coverage)'), leaving no realistic path to misselection.
All names are snake_case and readable, but the pattern is mixed: two are verb_noun (find_bank, estimate_deposit_coverage) while bank_history is noun-only with no verb. Minor deviation, not confusing.
Three tools is on the lean side but each maps to a distinct step in a genuine workflow (identify bank -> inspect history -> estimate coverage), so none feels padded. Slightly under-scoped if users want branch data, but justified.
The surface covers lookup, structural history, and deposit-insurance estimation, with honest scope statements (no credit unions, no financial statements, estimate not authoritative). The main gap is branch-level detail, which the history tool explicitly excludes, but that is a minor, workable gap.
Use this when the user wants a bank's structure history from FDIC records: when it was established, mergers it absorbed, whether it failed or was acquired, and its successor bank. Takes one FDIC certificate number; returns the profile, status, failure details if any, institution-level events and a CSV. Branch openings and moves are not listed. Does not show financial statements.
Inputs: cert (required). Returns: kind, events, source, status, +7 more
Use this when the user wants to know how much of their bank deposits are FDIC insured. Takes up to 30 accounts (FDIC cert, ownership category, balance, owners, trust beneficiaries), checks each bank in live FDIC records, and applies $250,000 per owner per bank per ownership category, joint shares, and the 2024 trust rule ($250,000 per beneficiary, up to 5). Returns insured and uninsured totals per bank and category, a PDF worksheet and a CSV. The result is an estimate; it does not replace FDIC EDIE and does not cover credit unions.
Inputs: accounts (required). Returns: kind, banks, errors, source, +9 more
Use this when the user asks whether a US bank is FDIC insured, or needs its FDIC certificate number, legal name, primary regulator, total assets, office count or website. Searches live FDIC BankFind records by name (optionally narrowed by state and city), by city and state, or by certificate number; returns up to 10 ranked matches and a CSV. Does not cover credit unions and does not estimate coverage (use estimate_deposit_coverage).
Inputs: cert, city, name, state, +1 more. Returns: kind, note, query, ranked, +5 more
Recent tool additions, removals, and schema changes observed during successful MCP inspections.
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FDIC MCP — FDIC BankFind Suite API (free, no auth)
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