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orancummins

Open Finance US MCP

by orancummins

get_consumer

Retrieve a consumer record using their consumer ID. Access consumer data for open banking operations.

Instructions

Get a consumer record by consumer id.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
consumer_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, the description must disclose behavioral traits but does not mention idempotency, error handling, or return behavior beyond the output schema. It only restates the obvious read operation.

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 that is front-loaded. It could offer more detail but remains efficient and to the point.

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?

For a simple get-by-id tool with an output schema, the description is minimally adequate. However, it lacks context about error cases or differentiation from related tools, leaving it slightly incomplete.

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?

The schema has 0% description coverage for parameters, and the description only reiterates 'by consumer id' without explaining the format, source, or constraints of consumer_id.

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 'Get a consumer record by consumer id,' specifying the verb (Get) and resource (consumer record). It uniquely identifies its function among siblings like get_consumer_for_customer and create_consumer.

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 like get_consumer_for_customer. The description lacks context on prerequisites or exclusive use cases.

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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