# bea.national.personal_income

Retrieve US Personal Income and Outlays from BEA NIPA Table T20100 (millions of dollars). Covers total personal income, compensation of employees, proprietors income, rental income, personal interest income, dividends, personal taxes, disposable personal income, and personal savings. Annual or quarterly frequency, covering all years since 1929. Essential for consumer spending analysis and household financial health tracking.

Agent View of the PolicyLayer registry record for `bea.national.personal_income`. HTML page: https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/bea.national.personal-income

## Facts

- Tool: `bea.national.personal_income`
- Server: Apibase (`apibase-mcp-client`) — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase.md
- Install: `npx -y apibase-mcp-client`
- Homepage: https://github.com/whiteknightonhorse/APIbase
- Risk category: Read (Low risk)
- Registry record: grade F, identity unverified
- Server auth posture: open
- Server rate-limited: no
- Parameters: 2
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `year` | string | no | Year(s) to retrieve. Single year (e.g. "2023"), comma-separated list ("2021,2022,2023"), "LAST5" for latest 5 years, "LAST10" for latest 10, or "X"/"ALL" for al |
| `frequency` | string | no | Data frequency: A=Annual, Q=Quarterly, M=Monthly. Multiple values comma-separated (e.g. "A,Q"). Defaults to A. |

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": "bea.national.personal_income",
    "arguments": {}
  }
}
```

## Why bea.national.personal_income is rated Low

Tool queries historical economic data without modifying systems or committing financial transactions.

From the tool's own definition: "Retrieve US Personal Income and Outlays from BEA NIPA Table"

## Use case

AI agents call bea.national.personal_income to retrieve information from Apibase 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 Apibase:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "bea.national.personal_income": {}
  }
}
```

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## 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-whiteknightonhorse-apibase · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/io-github-whiteknightonhorse-apibase