# cfpb-complaints.complaints.by_state

Get per-US-state consumer complaint counts from the CFPB complaint database, with each state's top complaint products and issues, optionally filtered by date range, product, or company. Useful for geographic analysis of consumer financial complaints. Data: consumerfinance.gov (CFPB), no auth required.

Agent View of the PolicyLayer registry record for `cfpb-complaints.complaints.by_state`. HTML page: https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/cfpb-complaints.complaints.by-state

## Facts

- Tool: `cfpb-complaints.complaints.by_state`
- 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: 4
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `company` | string | no | Exact registered company name as CFPB records it, typically uppercase with legal suffix (e.g. "EQUIFAX, INC.", "WELLS FARGO & COMPANY", "BANK OF AMERICA, NATION |
| `product` | string | no | Exact CFPB product category — must match verbatim, e.g. "Credit reporting or other personal consumer reports", "Debt collection", "Mortgage", "Checking or savin |
| `date_received_max` | string | no | Only count complaints received on/before this date, format YYYY-MM-DD. |
| `date_received_min` | string | no | Only count complaints received on/after this date, format YYYY-MM-DD. |

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": "cfpb-complaints.complaints.by_state",
    "arguments": {}
  }
}
```

## Why cfpb-complaints.complaints.by_state is rated Low

Retrieves public complaint statistics with no side effects or data modification capability.

From the tool's own definition: "Get per-US-state consumer complaint counts from CFPB complaint database, no auth required."

## Use case

AI agents call cfpb-complaints.complaints.by_state 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": {
    "cfpb-complaints.complaints.by_state": {}
  }
}
```

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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