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orancummins

Open Finance US MCP

by orancummins

create_consumer

Create a consumer record to enable verification reports for assets, income, or both.

Instructions

Create a consumer record (prerequisite for VOA/VOI/VOAI reports).

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
ssnNo
emailNo
last_nameYes
first_nameYes
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 the full burden of behavioral disclosure. It only states that a record is created, but does not mention idempotency, uniqueness constraints, required permissions, or side effects. For a creation tool, this is insufficient.

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

Conciseness5/5

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

The description is a single sentence, 10 words, front-loading the verb and resource. Every word adds value with no redundancy.

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?

Given the tool has 5 parameters, no schema descriptions, no annotations, and an output schema that is not referenced, the description is too minimal. It fails to explain required fields (e.g., customer_id) or what constitutes a successful creation.

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

Parameters1/5

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

The input schema has 5 parameters with 0% description coverage, yet the description provides no explanation of any parameter's meaning or usage. It does not add value beyond the schema's titles.

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

Purpose5/5

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

The description clearly states the action ('create') and the resource ('consumer record'), and adds the context that it is a prerequisite for VOA/VOI/VOAI reports. This specificity distinguishes it from sibling tools like create_access_token or create_testing_customer.

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

Usage Guidelines4/5

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

The description provides clear context by noting the tool is a prerequisite for specific report types, implying when to use it. However, it does not explicitly exclude alternative tools like create_active_customer or create_testing_customer, nor does it state when not to use this tool.

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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