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orancummins

Open Finance US MCP

by orancummins

generate_voi_report

Generate a Verification of Income report using a customer ID and optional account IDs to verify income.

Instructions

Generate a Verification of Income (VOI) report.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
account_idsNo
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?

No annotations provided; description fails to disclose any behavioral traits like asynchronous generation, error handling, or required data prerequisites. Agent left unaware of potential side effects or constraints.

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

Conciseness2/5

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

Single sentence is concise but lacks structure and substance; it does not earn its place by providing necessary information.

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, description does not specify what the VOI report contains (e.g., income data, verification status). Incomplete for a tool amidst many similar report tools.

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?

Schema description coverage is 0%, and description adds no meaning to parameters beyond their names. 'account_ids' and 'customer_id' remain unexplained, leaving agent uninformed about their purpose or allowed values.

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?

Description clearly states the verb 'Generate' and specific resource 'Verification of Income (VOI) report', distinguishing it from sibling tools like generate_voa_report and generate_voai_report.

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 on when to use this report vs alternatives such as generate_voa_report (assets) or generate_voai_report (asset/income). Agent lacks decision context.

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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