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orancummins

Open Finance US MCP

by orancummins

get_institution

Retrieve detailed information about a financial institution using its unique identifier.

Instructions

Get details for one institution.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
institution_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?

Without annotations, the description should disclose behavioral traits. It only states 'get details', implying a read operation, but does not mention idempotency, data freshness, or any side effects. The minimal description adds little beyond the tool name.

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

Conciseness3/5

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

The description is a single sentence without fluff, but it is under-specified. It is appropriately short but sacrifices completeness for brevity.

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 presence of many sibling tools and an output schema, the description is insufficiently complete. It does not explain what 'details' entails or how this tool fits into the workflow, leaving the agent to guess.

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 input schema has 0% coverage with no description for the institution_id parameter. While the parameter name is self-explanatory, the description does not add any meaning, such as clarifying the format or source of the ID.

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 verb 'Get' and resource 'institution', indicating a retrieval operation. However, it does not differentiate from sibling tools like get_institution_branding or search_institutions, which also target institutions with different scopes.

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 such as search_institutions or get_institution_branding. The description lacks any context about prerequisites or typical 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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