AI agents call list_overrides_tool to retrieve information from Plaid without modifying anything — typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.
This tool only retrieves previously recorded APR overrides without creating, modifying, deleting, or executing any operations. It is a simple query operation with minimal risk—the data is already owned by the user and stored locally. Misuse by an AI agent would only expose information the user has voluntarily recorded, not trigger financial transactions or irreversible actions.
From the tool's definition Tool name 'list_overrides_tool' and description 'List every account APR override the user has recorded' indicate a read-only operation that retrieves user-stored APR override data.
Risk signalsBulk/mass operation — affects multiple targets
Attacks that exploit this kind of access
List every account APR override the user has recorded. It is categorised as a Read tool in the Plaid MCP Server, which means it retrieves data without modifying state.
Register the Plaid MCP server in PolicyLayer and add a rule for list_overrides_tool: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Plaid. Nothing to install.
list_overrides_tool is a Read tool with low risk. Read-only tools are generally safe to allow by default.
Yes. Add a rate_limit block to the list_overrides_tool rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.
Set action: deny in the PolicyLayer policy for list_overrides_tool. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.
list_overrides_tool is provided by the Plaid MCP server (t-rhex/plaid-mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
Every MCP server has a record like this.
Type a name, get the same breakdown: verified identity, auth posture, risk grade, capabilities, recommended policy.
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