Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, idempotentHint=true, openWorldHint=true. The description adds that the list is complete (472 banks) and mentions data included (ISPB codes, bank numbers) and cache refresh option. This adds modest context beyond annotations but does not contradict them.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.