Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are supplied, so the description carries the full burden of behavioral disclosure. It only states that the tool 'updates' an institution, which implies a write operation, but does not explain the effect of omitting optional fields (title, currency_code), whether updates are partial or full replacements, or any permission or idempotency considerations. This falls short of the transparency expected for a mutation tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.