Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries the full burden. It states the operation ('Run KYC/AML Checks') but does not disclose whether this action is read-only, whether it creates or updates records, whether it is asynchronous, or whether it has side effects. An agent cannot judge safety or expected consequences from this text.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.