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orancummins

Open Finance US MCP

by orancummins

account_owner_match

Validate account ownership by matching customer identity details like name, email, and phone against official owner records.

Instructions

Match provided identity details against account owner records.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
emailNo
phoneNo
last_nameNo
account_idYes
first_nameNo
customer_idYes

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault
okYesTrue when the upstream HTTP status was < 400.
dataNoFinicity's native response body.
errorNoError summary when ok is False.
status_codeYesUpstream Finicity HTTP status code.
Behavior2/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

With no annotations provided, the description carries full burden. It does not disclose what happens on match (e.g., returns boolean, details), required authentication, or any side effects.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is a single sentence with no wasted words. It is concise and front-loaded.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness2/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Despite having an output schema, the description is too brief for a 6-parameter tool. It fails to explain the matching logic or expected outcomes.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters2/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 0%, and the description only says 'identity details' without explaining how each parameter (email, phone, etc.) is used in the matching process.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose4/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the tool matches identity details against account owner records. However, it does not distinguish itself from sibling tools like 'get_account_owner' and 'get_account_owner_details' which also deal with account owners.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines2/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

No guidance is provided on when to use this tool versus alternatives, nor any exclusions or prerequisites. The description lacks context for usage.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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