Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries the full burden. It discloses that the tool mutates the password, but does not mention whether the code is single-use, whether the old password is invalidated, whether the session is terminated, or any error conditions (e.g., expired code). For a security-sensitive operation, this is a significant gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.