# bank_health_report

One-call financial-health read for a US bank or savings institution. Give a bank name or an FDIC certificate (CERT) number. Joins FDIC BankFind institution + financials (total assets, deposits, net income, return on assets/equity, active-vs-failed status) with the CFPB Consumer Complaint Database (complaint volume and top complaint products for the matched company) into a HEALTHY / STABLE / WATCH / FAILED read with the numbers behind it. FDIC is the primary signal; CFPB complaint data is best-effort and degrades gracefully if the bank's complaint records cannot be matched. Useful for picking a sponsor/partner bank, treasury counterparty checks, or deposit-safety questions. Informational, not a rating or advice.

Agent View of the PolicyLayer registry record for `bank_health_report`. HTML page: https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/bank-health-report

## Facts

- Tool: `bank_health_report`
- Server: Livedatalink (`https://livedatalink.ai/mcp`) — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink.md
- Homepage: https://github.com/blackboxfoundry/livedatalink
- Risk category: Read (Low risk)
- Registry record: grade F, identity unverified
- Server auth posture: open
- Server CORS policy: *
- Server rate-limited: no
- Parameters: 2
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `bank` | string | no | Bank or savings institution name (e.g. 'JPMorgan Chase Bank', 'Cross River Bank'). Use the full legal name for best matching. |
| `cert` | string | no | Optional FDIC certificate (CERT) number for an exact institution match, used instead of a name. |

Parameters from the server's own tool schema.

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "bank_health_report",
    "arguments": {}
  }
}
```

## Why bank_health_report is rated Low

Even though bank_health_report only reads data, uncontrolled read access leaks sensitive information and racks up API costs: an agent caught in a retry loop can make thousands of calls a minute without anyone noticing.

## Use case

AI agents call bank_health_report to retrieve information from Livedatalink without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.

## Recommended policy (PolicyLayer)

Verdict: **Allowed**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Livedatalink:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "bank_health_report": {}
  }
}
```

## Other tools on Livedatalink (279)

- `beneficial_owner_screen` — Destructive — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/beneficial-owner-screen.md
- `cdc_dataset_query` — Execute — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/cdc-dataset-query.md
- `clinical_site_selector` — Execute — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/clinical-site-selector.md
- `air_quality` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/air-quality.md
- `bls_indicator` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/bls-indicator.md
- `bls_series` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/bls-series.md
- `book_details` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/book-details.md
- `book_fulltext_search` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/book-fulltext-search.md
- `book_get_text` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/book-get-text.md
- `book_search` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/book-search.md
- `book_status` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/book-status.md
- `bounce_scanner` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/bounce-scanner.md
- `candlestick_signals` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/candlestick-signals.md
- `cargo_crate` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/cargo-crate.md
- `carrier_vetting_score` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/carrier-vetting-score.md
- `caselaw_case_details` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/caselaw-case-details.md
- `caselaw_citation_lookup` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/caselaw-citation-lookup.md
- `caselaw_opinion_text` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/caselaw-opinion-text.md
- `caselaw_search` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/caselaw-search.md
- `cdc_drug_overdose_deaths` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/cdc-drug-overdose-deaths.md
- `cdc_excess_deaths_covid` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/cdc-excess-deaths-covid.md
- `cdc_flu_surveillance` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/cdc-flu-surveillance.md
- `cdc_leading_causes_of_death` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/cdc-leading-causes-of-death.md
- `cdc_outbreak_reports` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/cdc-outbreak-reports.md
- `cdc_vaccination_coverage` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/cdc-vaccination-coverage.md
- `cdc_weekly_deaths_by_state` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/cdc-weekly-deaths-by-state.md
- `census_business` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/census-business.md
- `census_commute_employment` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/census-commute-employment.md
- `census_demographics` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/census-demographics.md
- `census_geography_lookup` — Read — https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink/census-geography-lookup.md
- …and 249 more: https://policylayer.com/tools/io-github-blackboxfoundry-livedatalink.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=io-github-blackboxfoundry-livedatalink · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/io-github-blackboxfoundry-livedatalink