# fdic.institutions.failures

Query the FDIC failed bank list. Returns 4,100+ historical bank failures with failure date, assets at closure, acquiring institution, and estimated loss to the Deposit Insurance Fund. Covers all failures since 1934.

Agent View of the PolicyLayer registry record for `fdic.institutions.failures`. HTML page: https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/fdic.institutions.failures

## Facts

- Tool: `fdic.institutions.failures`
- 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 |
| --- | --- | --- | --- |
| `limit` | integer | no | Number of results to return, max 50 (default 10) |
| `state` | string | no | Two-letter US state code filter (e.g. "CA", "NY", "TX") |

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": "fdic.institutions.failures",
    "arguments": {}
  }
}
```

## Why fdic.institutions.failures is rated Low

Retrieves historical public FDIC data without side effects or modification capability.

From the tool's own definition: "Query the FDIC failed bank list. Returns historical bank failures."

## Use case

AI agents call fdic.institutions.failures 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": {
    "fdic.institutions.failures": {}
  }
}
```

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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