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orancummins

Open Finance US MCP

by orancummins

get_bill_pay_switches

List bill-pay switches for a customer to see all their payment switch settings.

Instructions

List bill-pay switches for a customer.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
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 are provided, and the description lacks any behavioral details such as permissions, idempotency, rate limits, or side effects. The burden is on the description but it adds nothing beyond the name.

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 concise sentence with no fluff. However, brevity comes at the cost of missing valuable information. It earns its place but could be expanded.

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

Completeness3/5

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

The tool is simple with 1 parameter and an output schema (not shown). The description minimally covers the core action. However, given the complexity of sibling tools and no annotations, it feels incomplete for robust agent guidance.

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%. The description does not explain the 'customer_id' parameter beyond the schema's title, missing format, valid values, or any additional meaning. With no param descriptions, the tool fails to help the agent.

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 uses a specific verb 'List' and identifies the resource 'bill-pay switches' with scope 'for a customer.' It clearly distinguishes from the sibling 'get_deposit_switches' by specifying 'bill-pay.'

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 tool versus alternatives, no context on prerequisites or scenarios. The description is purely functional with no usage instructions.

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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