fdic-mcp-server 1.23.2 → 1.25.0

package/dist/index.js

@@ -32,7 +32,7 @@ var import_types = require("@modelcontextprotocol/sdk/types.js");
 var import_express2 = __toESM(require("express"));
 
 // src/constants.ts
-var VERSION = true ? "1.23.2" : process.env.npm_package_version ?? "0.0.0-dev";
+var VERSION = true ? "1.25.0" : process.env.npm_package_version ?? "0.0.0-dev";
 var FDIC_API_BASE_URL = "https://banks.data.fdic.gov/api";
 var CHARACTER_LIMIT = 5e4;
 var DEFAULT_FDIC_MAX_RESPONSE_BYTES = 5 * 1024 * 1024;
@@ -31846,13 +31846,96 @@ function formatLookupResultText(label, record, preferredKeys) {
   return `${label}
 ${summarizeRecord(record, preferredKeys, 8)}`;
 }
-function formatToolError(err) {
+var ERROR_CODE_FROM_MESSAGE = [
+  { pattern: /Bad request to FDIC API/, code: "FDIC_BAD_FILTER", retryable: false },
+  { pattern: /rate limit/i, code: "FDIC_RATE_LIMIT", retryable: true },
+  { pattern: /server error/i, code: "FDIC_UPSTREAM_ERROR", retryable: true },
+  {
+    pattern: /response-size limit|maxContentLength/,
+    code: "FDIC_RESPONSE_TOO_LARGE",
+    retryable: false
+  },
+  { pattern: /canceled/i, code: "FDIC_CANCELED", retryable: true },
+  { pattern: /No (institution|failure|financial)/i, code: "FDIC_NOT_FOUND", retryable: false },
+  { pattern: /quarter-end date/i, code: "FDIC_BAD_DATE", retryable: false }
+];
+function inferErrorCode(message) {
+  for (const entry of ERROR_CODE_FROM_MESSAGE) {
+    if (entry.pattern.test(message)) {
+      return { code: entry.code, retryable: entry.retryable };
+    }
+  }
+  return { code: "FDIC_UNKNOWN", retryable: false };
+}
+function formatToolError(err, override) {
   const message = err instanceof Error ? err.message : String(err);
+  const inferred = inferErrorCode(message);
+  const payload = {
+    code: override?.code ?? inferred.code,
+    message: override?.message ?? message,
+    retryable: override?.retryable ?? inferred.retryable,
+    hint: override?.hint
+  };
   return {
-    content: [{ type: "text", text: `Error: ${message}` }],
+    content: [{ type: "text", text: `Error: ${payload.message}` }],
+    structuredContent: payload,
     isError: true
   };
 }
+var DEFAULT_STRUCTURED_BYTE_LIMIT = 2e5;
+function capStructuredContent(output, recordKey, byteLimit = DEFAULT_STRUCTURED_BYTE_LIMIT) {
+  const records = output[recordKey];
+  if (!Array.isArray(records)) {
+    return output;
+  }
+  const initialBytes = Buffer.byteLength(JSON.stringify(output), "utf8");
+  if (initialBytes <= byteLimit) {
+    return output;
+  }
+  let lo = 0;
+  let hi = records.length;
+  let best = 0;
+  while (lo <= hi) {
+    const mid = Math.floor((lo + hi) / 2);
+    const candidate = buildTruncatedPayload(output, recordKey, records, mid);
+    const bytes = Buffer.byteLength(JSON.stringify(candidate), "utf8");
+    if (bytes <= byteLimit) {
+      best = mid;
+      lo = mid + 1;
+    } else {
+      hi = mid - 1;
+    }
+  }
+  if (best === 0) {
+    throw new Error(
+      "FDIC API response exceeded the configured response-size limit before parsing: a single record exceeded the structured-content byte cap. Request fewer fields with `fields=`, lower `limit`, or raise the cap."
+    );
+  }
+  return buildTruncatedPayload(output, recordKey, records, best);
+}
+function buildTruncatedPayload(output, recordKey, records, slicedLength) {
+  const sliced = records.slice(0, slicedLength);
+  const result = {
+    ...output,
+    [recordKey]: sliced,
+    truncated: true
+  };
+  const offset = typeof output.offset === "number" ? output.offset : void 0;
+  const upstreamCount = typeof output.count === "number" ? output.count : void 0;
+  const upstreamNextOffset = typeof output.next_offset === "number" ? output.next_offset : void 0;
+  if (offset !== void 0) {
+    result.count = slicedLength;
+    result.next_offset = offset + slicedLength;
+    result.has_more = true;
+  }
+  if (upstreamCount !== void 0 || upstreamNextOffset !== void 0) {
+    result.upstream = {
+      ...upstreamCount !== void 0 ? { count: upstreamCount } : {},
+      ...upstreamNextOffset !== void 0 ? { next_offset: upstreamNextOffset } : {}
+    };
+  }
+  return result;
+}
 
 // src/schemas/common.ts
 var import_zod = require("zod");
@@ -31877,57 +31960,100 @@ var CertSchema = import_zod.z.object({
   fields: import_zod.z.string().optional().describe("Comma-separated list of fields to return")
 });
 
+// src/schemas/output.ts
+var import_zod2 = require("zod");
+var FdicRecord = import_zod2.z.record(import_zod2.z.unknown());
+var Pagination = {
+  total: import_zod2.z.number().int(),
+  offset: import_zod2.z.number().int(),
+  count: import_zod2.z.number().int(),
+  has_more: import_zod2.z.boolean(),
+  next_offset: import_zod2.z.number().int().optional()
+};
+function paginatedSearchSchema(recordKey) {
+  return import_zod2.z.object({
+    ...Pagination,
+    [recordKey]: import_zod2.z.array(FdicRecord),
+    truncated: import_zod2.z.boolean().optional()
+  });
+}
+var FdicInstitutionsSearchOutputSchema = paginatedSearchSchema(
+  "institutions"
+);
+var FdicFailuresSearchOutputSchema = paginatedSearchSchema("failures");
+var FdicLocationsSearchOutputSchema = paginatedSearchSchema("locations");
+var FdicHistorySearchOutputSchema = paginatedSearchSchema("events");
+var FdicFinancialsSearchOutputSchema = paginatedSearchSchema(
+  "financials"
+);
+var FdicSummarySearchOutputSchema = paginatedSearchSchema("summary");
+var FdicSodSearchOutputSchema = paginatedSearchSchema("deposits");
+var FdicDemographicsSearchOutputSchema = paginatedSearchSchema(
+  "demographics"
+);
+var FdicInstitutionLookupOutputSchema = import_zod2.z.object({}).passthrough();
+var FdicFailureLookupOutputSchema = import_zod2.z.object({}).passthrough();
+var ChatGptSearchResultSchema = import_zod2.z.object({
+  results: import_zod2.z.array(
+    import_zod2.z.object({
+      id: import_zod2.z.string(),
+      title: import_zod2.z.string(),
+      url: import_zod2.z.string()
+    })
+  )
+});
+var ChatGptFetchResultSchema = import_zod2.z.object({
+  id: import_zod2.z.string(),
+  title: import_zod2.z.string(),
+  text: import_zod2.z.string(),
+  url: import_zod2.z.string(),
+  metadata: import_zod2.z.record(import_zod2.z.unknown()).optional()
+});
+var Source = import_zod2.z.object({ title: import_zod2.z.string(), url: import_zod2.z.string() });
+var FdicBankDeepDiveOutputSchema = import_zod2.z.object({
+  institution: import_zod2.z.object({
+    cert: import_zod2.z.number().int(),
+    name: import_zod2.z.string(),
+    city: import_zod2.z.string(),
+    state: import_zod2.z.string(),
+    active: import_zod2.z.boolean(),
+    asset_thousands: import_zod2.z.number().optional(),
+    deposit_thousands: import_zod2.z.number().optional(),
+    offices: import_zod2.z.number().optional(),
+    charter_class: import_zod2.z.string(),
+    regulator: import_zod2.z.string(),
+    established: import_zod2.z.string(),
+    report_date: import_zod2.z.string()
+  }),
+  assessment: import_zod2.z.object({
+    official_rating: import_zod2.z.boolean(),
+    proxy_band: import_zod2.z.string(),
+    caveat: import_zod2.z.string()
+  }),
+  metrics: import_zod2.z.object({
+    roa: import_zod2.z.string().optional(),
+    roe: import_zod2.z.string().optional(),
+    tier1_leverage: import_zod2.z.string().optional(),
+    noncurrent_loans: import_zod2.z.string().optional(),
+    loan_to_deposit: import_zod2.z.string().optional(),
+    net_interest_margin: import_zod2.z.string().optional(),
+    efficiency_ratio: import_zod2.z.string().optional()
+  }),
+  risk_signals: import_zod2.z.array(import_zod2.z.string()),
+  warnings: import_zod2.z.array(import_zod2.z.string()),
+  sources: import_zod2.z.array(Source)
+});
+var FdicAnalysisOutputSchema = import_zod2.z.object({}).passthrough();
+
 // src/tools/institutions.ts
 function registerInstitutionTools(server) {
   server.registerTool(
     "fdic_search_institutions",
     {
       title: "Search FDIC Institutions",
-      description: `Search for FDIC-insured financial institutions (banks and savings institutions) using flexible filters.
-
-Returns institution profile data including name, location, charter class, asset size, deposit totals, profitability metrics, and regulatory status.
-
-Common filter examples:
-  - By state: STNAME:"California"
-  - Active banks only: ACTIVE:1
-  - Large banks: ASSET:[10000000 TO *]  (assets in $thousands)
-  - By bank class: BKCLASS:N (national bank), BKCLASS:SM (state member bank), BKCLASS:NM (state non-member)
-  - By name: NAME:"Wells Fargo"
-  - Commercial banks: CB:1
-  - Savings institutions: MUTUAL:1
-  - Recently established: ESTYMD:[2010-01-01 TO *]
-
-Charter class codes (BKCLASS):
-  N = National commercial bank (OCC-supervised)
-  SM = State-chartered, Federal Reserve member
-  NM = State-chartered, non-member (FDIC-supervised)
-  SB = Federal savings bank (OCC-supervised)
-  SA = State savings association
-  OI = Insured branch of foreign bank
-
-Key returned fields:
-  - CERT: FDIC Certificate Number (unique ID)
-  - NAME: Institution name
-  - CITY, STALP (two-letter state code), STNAME (full state name): Location
-  - ASSET: Total assets ($thousands)
-  - DEP: Total deposits ($thousands)
-  - BKCLASS: Charter class code (see above)
-  - ACTIVE: 1 if currently active, 0 if inactive
-  - ROA, ROE: Profitability ratios
-  - OFFICES: Number of branch offices
-  - ESTYMD: Establishment date (YYYY-MM-DD)
-  - REGAGNT: Primary federal regulator (OCC, FRS, FDIC)
-
-Args:
-  - filters (string, optional): ElasticSearch query filter
-  - fields (string, optional): Comma-separated field names
-  - limit (number): Records to return, 1-10000 (default: 20)
-  - offset (number): Pagination offset (default: 0)
-  - sort_by (string, optional): Field to sort by
-  - sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')
-
-Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and institution records.`,
+      description: "Use this when the user needs FDIC-insured institution search results by name, state, CERT, asset size, charter class, or regulatory status. Returns institution profile rows with pagination; use fdic://schemas/institutions for the full field catalog.",
       inputSchema: CommonQuerySchema,
+      outputSchema: FdicInstitutionsSearchOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -31944,7 +32070,10 @@ Prefer concise human-readable summaries or tables when answering users. Structur
           params.offset ?? 0,
           records.length
         );
-        const output = { ...pagination, institutions: records };
+        const output = capStructuredContent(
+          { ...pagination, institutions: records },
+          "institutions"
+        );
         const text = truncateIfNeeded(
           formatSearchResultText("institutions", records, pagination, [
             "CERT",
@@ -31970,16 +32099,9 @@ Prefer concise human-readable summaries or tables when answering users. Structur
     "fdic_get_institution",
     {
       title: "Get Institution by Certificate Number",
-      description: `Retrieve detailed information for a specific FDIC-insured institution using its FDIC Certificate Number (CERT).
-
-Use this when you know the exact CERT number for an institution. To find a CERT number, use fdic_search_institutions first.
-
-Args:
-  - cert (number): FDIC Certificate Number (e.g., 3511 for Bank of America)
-  - fields (string, optional): Comma-separated list of fields to return
-
-Returns a detailed institution profile suitable for concise summaries, with structured fields available for exact values when needed.`,
+      description: "Use this when the user knows an exact FDIC Certificate Number and needs one institution profile. To discover a CERT first, call fdic_search_institutions or fdic_search.",
       inputSchema: CertSchema,
+      outputSchema: FdicInstitutionLookupOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -32034,43 +32156,9 @@ function registerFailureTools(server) {
     "fdic_search_failures",
     {
       title: "Search Bank Failures",
-      description: `Search for details on failed FDIC-insured financial institutions.
-
-Returns data on bank failures including failure date, resolution type, estimated cost to the FDIC Deposit Insurance Fund, and acquiring institution info.
-
-Common filter examples:
-  - By state: STALP:CA (two-letter state code)
-  - By year range: FAILDATE:[2008-01-01 TO 2010-12-31]
-  - Recent failures: FAILDATE:[2020-01-01 TO *]
-  - By resolution type: RESTYPE:PAYOFF or RESTYPE:"PURCHASE AND ASSUMPTION"
-  - Large failures by cost: COST:[100000 TO *]  (cost in $thousands)
-  - By name: NAME:"Washington Mutual"
-
-Resolution types (RESTYPE):
-  PAYOFF = depositors paid directly, no acquirer
-  PURCHASE AND ASSUMPTION = acquirer buys assets and assumes deposits
-  PAYOUT = variant of payoff with insured-deposit transfer
-
-Key returned fields:
-  - CERT: FDIC Certificate Number
-  - NAME: Institution name
-  - CITY, STALP (two-letter state code), STNAME (full state name): Location
-  - FAILDATE: Date of failure (YYYY-MM-DD)
-  - SAVR: Savings association flag (SA) or bank (BK)
-  - RESTYPE: Resolution type (see above)
-  - QBFASSET: Total assets at failure ($thousands)
-  - COST: Estimated cost to FDIC Deposit Insurance Fund ($thousands)
-
-Args:
-  - filters (string, optional): ElasticSearch query filter
-  - fields (string, optional): Comma-separated field names
-  - limit (number): Records to return (default: 20)
-  - offset (number): Pagination offset (default: 0)
-  - sort_by (string, optional): Field to sort by (e.g., FAILDATE, COST)
-  - sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')
-
-Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and failure records.`,
+      description: "Use this when the user wants details on failed FDIC-insured institutions filtered by name, state, date range, resolution type, or cost. Returns failure records with pagination; see fdic://schemas/failures for the full field catalog.",
       inputSchema: CommonQuerySchema,
+      outputSchema: FdicFailuresSearchOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -32087,7 +32175,10 @@ Prefer concise human-readable summaries or tables when answering users. Structur
           params.offset ?? 0,
           records.length
         );
-        const output = { ...pagination, failures: records };
+        const output = capStructuredContent(
+          { ...pagination, failures: records },
+          "failures"
+        );
         const text = truncateIfNeeded(
           formatSearchResultText("failures", records, pagination, [
             "CERT",
@@ -32114,16 +32205,9 @@ Prefer concise human-readable summaries or tables when answering users. Structur
     "fdic_get_institution_failure",
     {
       title: "Get Failure Details by Certificate Number",
-      description: `Retrieve failure details for a specific institution by FDIC Certificate Number.
-
-Use this when you know the CERT of a failed institution to get its specific failure record.
-
-Args:
-  - cert (number): FDIC Certificate Number of the failed institution
-  - fields (string, optional): Comma-separated list of fields to return
-
-Returns detailed failure information suitable for concise summaries, with structured fields available for exact values when needed.`,
+      description: "Use this when the user knows the CERT of a failed institution and needs its specific failure record. Returns failure details (date, resolution type, cost, acquirer); responds with `found: false` if the institution did not fail.",
       inputSchema: CertSchema,
+      outputSchema: FdicFailureLookupOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -32173,7 +32257,7 @@ Returns detailed failure information suitable for concise summaries, with struct
 }
 
 // src/tools/locations.ts
-var import_zod2 = require("zod");
+var import_zod3 = require("zod");
 
 // src/tools/shared/queryUtils.ts
 var CHUNK_SIZE = 25;
@@ -32269,7 +32353,7 @@ async function mapWithConcurrency(values, limit, mapper) {
 
 // src/tools/locations.ts
 var LocationQuerySchema = CommonQuerySchema.extend({
-  cert: import_zod2.z.number().int().positive().optional().describe(
+  cert: import_zod3.z.number().int().positive().optional().describe(
     "Filter by FDIC Certificate Number to get all branches of a specific institution"
   )
 });
@@ -32278,53 +32362,9 @@ function registerLocationTools(server) {
     "fdic_search_locations",
     {
       title: "Search Institution Locations / Branches",
-      description: `Search for branch locations of FDIC-insured financial institutions.
-
-Returns branch/office data including address, city, state, coordinates, branch type, and establishment date.
-
-Common filter examples:
-  - All branches of a bank: CERT:3511
-  - By state: STALP:TX (two-letter state code)
-  - By city: CITY:"Austin"
-  - Main offices only: BRNUM:0
-  - By county: COUNTY:"Travis"
-  - Active branches only: ENDEFYMD:[9999-01-01 TO *]  (sentinel date 9999-12-31 means still open)
-  - By metro area (CBSA): CBSA_METRO_NAME:"New York-Newark-Jersey City"
-
-Branch service types (BRSERTYP):
-  11 = Full service brick and mortar
-  12 = Full service retail
-  21 = Limited service administrative
-  22 = Limited service military
-  23 = Limited service drive-through
-  24 = Limited service loan production
-  25 = Limited service consumer/trust
-  26 = Limited service Internet/mobile
-  29 = Limited service other
-
-Key returned fields:
-  - CERT: FDIC Certificate Number
-  - UNINAME: Institution name
-  - NAMEFULL: Full branch name
-  - ADDRESS, CITY, STALP (two-letter state code), ZIP: Branch address
-  - COUNTY: County name
-  - BRNUM: Branch number (0 = main office)
-  - BRSERTYP: Branch service type code (see above)
-  - LATITUDE, LONGITUDE: Geographic coordinates
-  - ESTYMD: Branch established date (YYYY-MM-DD)
-  - ENDEFYMD: Branch end date (9999-12-31 if still active)
-
-Args:
-  - cert (number, optional): Filter by institution CERT number
-  - filters (string, optional): Additional ElasticSearch query filters
-  - fields (string, optional): Comma-separated field names
-  - limit (number): Records to return (default: 20)
-  - offset (number): Pagination offset (default: 0)
-  - sort_by (string, optional): Field to sort by
-  - sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')
-
-Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and branch location records.`,
+      description: "Use this when the user wants branch/office locations for FDIC-insured institutions, filtered by CERT, state, city, county, metro area, or branch type. Returns address, coordinates, branch number, and service-type rows; see fdic://schemas/locations for the full field catalog.",
       inputSchema: LocationQuerySchema,
+      outputSchema: FdicLocationsSearchOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -32348,7 +32388,10 @@ Prefer concise human-readable summaries or tables when answering users. Structur
           params.offset ?? 0,
           records.length
         );
-        const output = { ...pagination, locations: records };
+        const output = capStructuredContent(
+          { ...pagination, locations: records },
+          "locations"
+        );
         const text = truncateIfNeeded(
           formatSearchResultText("locations", records, pagination, [
             "CERT",
@@ -32373,9 +32416,9 @@ Prefer concise human-readable summaries or tables when answering users. Structur
 }
 
 // src/tools/history.ts
-var import_zod3 = require("zod");
+var import_zod4 = require("zod");
 var HistoryQuerySchema = CommonQuerySchema.extend({
-  cert: import_zod3.z.number().int().positive().optional().describe(
+  cert: import_zod4.z.number().int().positive().optional().describe(
     "Filter by FDIC Certificate Number to get history for a specific institution"
   )
 });
@@ -32384,57 +32427,9 @@ function registerHistoryTools(server) {
     "fdic_search_history",
     {
       title: "Search Institution History / Structure Changes",
-      description: `Search for structural change events for FDIC-insured financial institutions.
-
-Returns records on mergers, acquisitions, name changes, charter conversions, failures, and other significant structural events.
-
-Common filter examples:
-  - History for a specific bank: CERT:3511
-  - Mergers: TYPE:merger
-  - Failures: TYPE:failure
-  - Name changes: CHANGECODE:CO
-  - By date range: PROCDATE:[2008-01-01 TO 2009-12-31]
-  - By state: PSTALP:CA (two-letter state code)
-
-Event types (TYPE):
-  merger = institution was merged into another
-  failure = institution failed
-  assistance = received FDIC assistance transaction
-  insurance = insurance-related event (new coverage, termination)
-
-Common change codes (CHANGECODE):
-  CO = name change
-  CR = charter conversion
-  DC = deposit assumption change
-  MA = merger/acquisition (absorbed by another institution)
-  NI = new institution insured
-  TC = trust company conversion
-
-Key returned fields:
-  - CERT: FDIC Certificate Number
-  - INSTNAME: Institution name
-  - CLASS: Charter class at time of change
-  - PCITY, PSTALP: Location (city, two-letter state code)
-  - PROCDATE: Processing date of the change (YYYY-MM-DD)
-  - EFFDATE: Effective date of the change (YYYY-MM-DD)
-  - ENDEFYMD: End effective date
-  - PCERT: Predecessor/successor CERT (for mergers)
-  - TYPE: Type of structural change (see above)
-  - CHANGECODE: Code for type of change (see above)
-  - CHANGECODE_DESC: Human-readable description of the change code
-  - INSDATE: Insurance date
-
-Args:
-  - cert (number, optional): Filter by institution CERT number
-  - filters (string, optional): ElasticSearch query filters
-  - fields (string, optional): Comma-separated field names
-  - limit (number): Records to return (default: 20)
-  - offset (number): Pagination offset (default: 0)
-  - sort_by (string, optional): Field to sort by (e.g., PROCDATE)
-  - sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')
-
-Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and event records.`,
+      description: "Use this when the user wants structural-change events (mergers, acquisitions, name changes, charter conversions, failures) for FDIC-insured institutions, filtered by CERT, type, change code, date range, or state. See fdic://schemas/history for the full field catalog.",
       inputSchema: HistoryQuerySchema,
+      outputSchema: FdicHistorySearchOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -32458,7 +32453,10 @@ Prefer concise human-readable summaries or tables when answering users. Structur
           params.offset ?? 0,
           records.length
         );
-        const output = { ...pagination, events: records };
+        const output = capStructuredContent(
+          { ...pagination, events: records },
+          "events"
+        );
         const text = truncateIfNeeded(
           formatSearchResultText("events", records, pagination, [
             "CERT",
@@ -32483,63 +32481,30 @@ Prefer concise human-readable summaries or tables when answering users. Structur
 }
 
 // src/tools/financials.ts
-var import_zod4 = require("zod");
+var import_zod5 = require("zod");
 var FinancialQuerySchema = CommonQuerySchema.extend({
-  sort_order: import_zod4.z.enum(["ASC", "DESC"]).default("DESC").describe(
+  sort_order: import_zod5.z.enum(["ASC", "DESC"]).default("DESC").describe(
     "Sort direction: DESC (descending, default for most recent first) or ASC (ascending)"
   ),
-  cert: import_zod4.z.number().int().positive().optional().describe(
+  cert: import_zod5.z.number().int().positive().optional().describe(
     "Filter by FDIC Certificate Number to get financials for a specific institution"
   ),
-  repdte: import_zod4.z.string().optional().describe(
-    "Filter by Report Date (REPDTE) in YYYYMMDD format. FDIC data is published quarterly on call report dates: March 31, June 30, September 30, and December 31. Example: 20231231 for Q4 2023. If omitted, returns all available dates (sorted most recent first by default)."
+  repdte: import_zod5.z.string().optional().describe(
+    "Filter by Report Date (REPDTE) in YYYYMMDD format (quarter-end: 0331, 0630, 0930, 1231). If omitted, returns all available dates (sorted most recent first)."
   )
 });
 var SummaryQuerySchema = CommonQuerySchema.extend({
-  cert: import_zod4.z.number().int().positive().optional().describe("Filter by FDIC Certificate Number"),
-  year: import_zod4.z.number().int().min(1934).optional().describe("Filter by specific year (e.g., 2022)")
+  cert: import_zod5.z.number().int().positive().optional().describe("Filter by FDIC Certificate Number"),
+  year: import_zod5.z.number().int().min(1934).optional().describe("Filter by specific year (e.g., 2022)")
 });
 function registerFinancialTools(server) {
   server.registerTool(
     "fdic_search_financials",
     {
       title: "Search Institution Financial Data",
-      description: `Search quarterly financial (Call Report) data for FDIC-insured institutions. Covers over 1,100 financial variables reported quarterly.
-
-Returns balance sheet, income statement, capital, and performance ratio data from FDIC Call Reports.
-
-Common filter examples:
-  - Financials for a specific bank: CERT:3511
-  - By report date: REPDTE:20231231
-  - High-profit banks in Q4 2023: REPDTE:20231231 AND ROA:[1.5 TO *]
-  - Large banks most recent: ASSET:[10000000 TO *]
-  - Negative net income: NETINC:[* TO 0]
-
-Key returned fields:
-  - CERT: FDIC Certificate Number
-  - REPDTE: Report Date \u2014 the last day of the quarterly reporting period (YYYYMMDD)
-  - ASSET: Total assets ($thousands)
-  - DEP: Total deposits ($thousands)
-  - DEPDOM: Domestic deposits ($thousands)
-  - INTINC: Total interest income ($thousands)
-  - EINTEXP: Total interest expense ($thousands)
-  - NETINC: Net income ($thousands)
-  - ROA: Return on assets (%)
-  - ROE: Return on equity (%)
-  - NETNIM: Net interest margin (%)
-
-Args:
-  - cert (number, optional): Filter by institution CERT number
-  - repdte (string, optional): Report Date in YYYYMMDD format (quarter-end dates: 0331, 0630, 0930, 1231)
-  - filters (string, optional): Additional ElasticSearch query filters
-  - fields (string, optional): Comma-separated field names (the full set has 1,100+ fields)
-  - limit (number): Records to return (default: 20)
-  - offset (number): Pagination offset (default: 0)
-  - sort_by (string, optional): Field to sort by
-  - sort_order ('ASC'|'DESC'): Sort direction (default: 'DESC' recommended for most recent first)
-
-Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and quarterly financial records.`,
+      description: "Use this when the user wants quarterly Call Report data (balance sheet, income, capital, performance ratios) for FDIC-insured institutions. Filter by CERT and/or REPDTE plus optional ElasticSearch filters. See fdic://schemas/financials for the full 1,100+ field catalog.",
       inputSchema: FinancialQuerySchema,
+      outputSchema: FdicFinancialsSearchOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -32564,7 +32529,10 @@ Prefer concise human-readable summaries or tables when answering users. Structur
           params.offset ?? 0,
           records.length
         );
-        const output = { ...pagination, financials: records };
+        const output = capStructuredContent(
+          { ...pagination, financials: records },
+          "financials"
+        );
         const text = truncateIfNeeded(
           formatSearchResultText("financial records", records, pagination, [
             "CERT",
@@ -32590,40 +32558,9 @@ Prefer concise human-readable summaries or tables when answering users. Structur
     "fdic_search_summary",
     {
       title: "Search Annual Financial Summary Data",
-      description: `Search aggregate financial and structure summary data subtotaled by year for FDIC-insured institutions.
-
-Returns annual snapshots of key financial metrics \u2014 useful for tracking an institution's growth over time.
-
-Common filter examples:
-  - Annual history for a bank: CERT:3511
-  - Specific year: YEAR:2022
-  - Year range: YEAR:[2010 TO 2020]
-  - Large banks in 2022: YEAR:2022 AND ASSET:[10000000 TO *]
-  - Profitable in 2023: YEAR:2023 AND ROE:[10 TO *]
-
-Key returned fields:
-  - CERT: FDIC Certificate Number
-  - YEAR: Report year
-  - ASSET: Total assets ($thousands)
-  - DEP: Total deposits ($thousands)
-  - NETINC: Net income ($thousands)
-  - ROA: Return on assets (%)
-  - ROE: Return on equity (%)
-  - OFFICES: Number of branch offices
-  - REPDTE: Report Date \u2014 the last day of the reporting period (YYYYMMDD)
-
-Args:
-  - cert (number, optional): Filter by institution CERT number
-  - year (number, optional): Filter by specific year (1934-present)
-  - filters (string, optional): Additional ElasticSearch query filters
-  - fields (string, optional): Comma-separated field names
-  - limit (number): Records to return (default: 20)
-  - offset (number): Pagination offset (default: 0)
-  - sort_by (string, optional): Field to sort by (e.g., YEAR, ASSET)
-  - sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')
-
-Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and annual summary records.`,
+      description: "Use this when the user wants annual financial-summary snapshots (assets, deposits, ROA, ROE, offices) for FDIC-insured institutions, filtered by CERT and/or year. See fdic://schemas/summary for the full field catalog.",
       inputSchema: SummaryQuerySchema,
+      outputSchema: FdicSummarySearchOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -32648,7 +32585,10 @@ Prefer concise human-readable summaries or tables when answering users. Structur
           params.offset ?? 0,
           records.length
         );
-        const output = { ...pagination, summary: records };
+        const output = capStructuredContent(
+          { ...pagination, summary: records },
+          "summary"
+        );
         const text = truncateIfNeeded(
           formatSearchResultText("annual summary records", records, pagination, [
             "CERT",
@@ -32673,10 +32613,10 @@ Prefer concise human-readable summaries or tables when answering users. Structur
 }
 
 // src/tools/sod.ts
-var import_zod5 = require("zod");
+var import_zod6 = require("zod");
 var SodQuerySchema = CommonQuerySchema.extend({
-  cert: import_zod5.z.number().int().positive().optional().describe("Filter by FDIC Certificate Number"),
-  year: import_zod5.z.number().int().min(1994).optional().describe(
+  cert: import_zod6.z.number().int().positive().optional().describe("Filter by FDIC Certificate Number"),
+  year: import_zod6.z.number().int().min(1994).optional().describe(
     "Filter by specific year (1994-present). SOD data is annual."
   )
 });
@@ -32685,40 +32625,9 @@ function registerSodTools(server) {
     "fdic_search_sod",
     {
       title: "Search Summary of Deposits (SOD)",
-      description: `Search annual Summary of Deposits (SOD) data for individual bank branches.
-
-The SOD report provides annual deposit data at the branch level, showing deposit balances for each office of every FDIC-insured institution as of June 30 each year.
-
-Common filter examples:
-  - All branches for a bank: CERT:3511
-  - SOD for specific year: YEAR:2022
-  - Branches in a state: STALPBR:CA
-  - Branches in a city: CITYBR:"Austin"
-  - High-deposit branches: DEPSUMBR:[1000000 TO *]
-  - By metro area (MSA code): MSABR:19100
-
-Key returned fields:
-  - YEAR: Report year (as of June 30)
-  - CERT: FDIC Certificate Number
-  - BRNUM: Branch number (0 = main office)
-  - NAMEFULL: Branch or institution name
-  - ADDRESBR, CITYBR, STALPBR, ZIPBR: Branch address
-  - DEPSUMBR: Total deposits at branch ($thousands)
-  - MSABR: Metropolitan Statistical Area code (numeric; 0 = non-MSA)
-  - LATITUDE, LONGITUDE: Coordinates
-
-Args:
-  - cert (number, optional): Filter by institution CERT number
-  - year (number, optional): SOD report year (1994-present)
-  - filters (string, optional): Additional ElasticSearch query filters
-  - fields (string, optional): Comma-separated field names
-  - limit (number): Records to return (default: 20)
-  - offset (number): Pagination offset (default: 0)
-  - sort_by (string, optional): Field to sort by (e.g., DEPSUMBR, YEAR)
-  - sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')
-
-Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and deposit records.`,
+      description: "Use this when the user wants annual branch-level deposit data (SOD, as of June 30 each year) \u2014 branch deposits, MSAs, geographic distribution. Filter by CERT and/or year. See fdic://schemas/sod for the full field catalog.",
       inputSchema: SodQuerySchema,
+      outputSchema: FdicSodSearchOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -32743,7 +32652,10 @@ Prefer concise human-readable summaries or tables when answering users. Structur
           params.offset ?? 0,
           records.length
         );
-        const output = { ...pagination, deposits: records };
+        const output = capStructuredContent(
+          { ...pagination, deposits: records },
+          "deposits"
+        );
         const text = truncateIfNeeded(
           formatSearchResultText("deposit records", records, pagination, [
             "CERT",
@@ -32768,11 +32680,11 @@ Prefer concise human-readable summaries or tables when answering users. Structur
 }
 
 // src/tools/demographics.ts
-var import_zod6 = require("zod");
+var import_zod7 = require("zod");
 var DemographicsQuerySchema = CommonQuerySchema.extend({
-  cert: import_zod6.z.number().int().positive().optional().describe("Filter by FDIC Certificate Number"),
-  repdte: import_zod6.z.string().optional().describe(
-    "Filter by Report Date (REPDTE) in YYYYMMDD format. FDIC data is published quarterly on: March 31, June 30, September 30, and December 31. Example: 20251231 for Q4 2025. If omitted, returns all available dates."
+  cert: import_zod7.z.number().int().positive().optional().describe("Filter by FDIC Certificate Number"),
+  repdte: import_zod7.z.string().optional().describe(
+    "Filter by Report Date (REPDTE) in YYYYMMDD format (quarter-end: 0331, 0630, 0930, 1231)."
   )
 });
 function registerDemographicsTools(server) {
@@ -32780,43 +32692,9 @@ function registerDemographicsTools(server) {
     "fdic_search_demographics",
     {
       title: "Search Institution Demographics Data",
-      description: `Search BankFind demographics data for FDIC-insured institutions.
-
-Returns quarterly demographic and market-structure attributes such as office counts, territory assignments, metro classification, county/country codes, and selected geographic reference data.
-
-Common filter examples:
-  - Demographics for a specific bank: CERT:3511
-  - By report date: REPDTE:20251231
-  - Institutions in metro areas: METRO:1
-  - Institutions with out-of-state offices: OFFSTATE:[1 TO *]
-  - Minority status date present: MNRTYDTE:[19000101 TO 99991231]
-
-Key returned fields:
-  - CERT: FDIC Certificate Number
-  - REPDTE: Report Date \u2014 the last day of the quarterly reporting period (YYYYMMDD)
-  - QTRNO: Quarter number
-  - OFFTOT: Total offices
-  - OFFSTATE: Offices in other states
-  - OFFNDOM: Offices in non-domestic territories
-  - OFFOTH: Other offices
-  - OFFSOD: Offices included in Summary of Deposits
-  - METRO, MICRO: Metro/micro area flags
-  - CBSANAME, CSA: Core-based statistical area data
-  - FDICTERR, RISKTERR: FDIC and risk territory assignments
-  - SIMS_LAT, SIMS_LONG: Geographic coordinates
-
-Args:
-  - cert (number, optional): Filter by institution CERT number
-  - repdte (string, optional): Report Date in YYYYMMDD format (quarter-end dates: 0331, 0630, 0930, 1231)
-  - filters (string, optional): Additional ElasticSearch query filters
-  - fields (string, optional): Comma-separated field names
-  - limit (number): Records to return (default: 20)
-  - offset (number): Pagination offset (default: 0)
-  - sort_by (string, optional): Field to sort by
-  - sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')
-
-Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and demographic records.`,
+      description: "Use this when the user wants quarterly demographic and market-structure attributes (office counts, metro classification, county/territory codes, geographic reference data) for FDIC-insured institutions. Filter by CERT and/or REPDTE. See fdic://schemas/demographics for the full field catalog.",
       inputSchema: DemographicsQuerySchema,
+      outputSchema: FdicDemographicsSearchOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -32841,7 +32719,10 @@ Prefer concise human-readable summaries or tables when answering users. Structur
           params.offset ?? 0,
           records.length
         );
-        const output = { ...pagination, demographics: records };
+        const output = capStructuredContent(
+          { ...pagination, demographics: records },
+          "demographics"
+        );
         const text = truncateIfNeeded(
           formatSearchResultText("demographic records", records, pagination, [
             "CERT",
@@ -32866,7 +32747,7 @@ Prefer concise human-readable summaries or tables when answering users. Structur
 }
 
 // src/tools/analysis.ts
-var import_zod7 = require("zod");
+var import_zod8 = require("zod");
 
 // src/tools/shared/progress.ts
 function asProgressToken(value) {
@@ -32892,7 +32773,7 @@ async function sendProgressNotification(sender, progressToken, progress, message
 }
 
 // src/tools/analysis.ts
-var SortFieldSchema = import_zod7.z.enum([
+var SortFieldSchema = import_zod8.z.enum([
   "asset_growth",
   "asset_growth_pct",
   "dep_growth",
@@ -32906,35 +32787,35 @@ var SortFieldSchema = import_zod7.z.enum([
   "deposits_per_office_change",
   "deposits_to_assets_change"
 ]);
-var AnalysisModeSchema = import_zod7.z.enum(["snapshot", "timeseries"]);
-var SnapshotAnalysisSchema = import_zod7.z.object({
-  state: import_zod7.z.string().optional().describe(
+var AnalysisModeSchema = import_zod8.z.enum(["snapshot", "timeseries"]);
+var SnapshotAnalysisSchema = import_zod8.z.object({
+  state: import_zod8.z.string().optional().describe(
     'State name for the institution roster filter. Example: "North Carolina"'
   ),
-  certs: import_zod7.z.array(import_zod7.z.number().int().positive()).max(100).optional().describe(
+  certs: import_zod8.z.array(import_zod8.z.number().int().positive()).max(100).optional().describe(
     "Optional list of FDIC certificate numbers to compare directly. Max 100."
   ),
-  institution_filters: import_zod7.z.string().optional().describe(
+  institution_filters: import_zod8.z.string().optional().describe(
     'Additional institution-level filter used when building the comparison set. Example: BKCLASS:N or CITY:"Charlotte"'
   ),
-  active_only: import_zod7.z.boolean().default(true).describe("Limit the comparison set to currently active institutions."),
-  start_repdte: import_zod7.z.string().regex(/^\d{8}$/).optional().describe(
+  active_only: import_zod8.z.boolean().default(true).describe("Limit the comparison set to currently active institutions."),
+  start_repdte: import_zod8.z.string().regex(/^\d{8}$/).optional().describe(
     "Starting Report Date (REPDTE) in YYYYMMDD format. Must be a quarter-end date: March 31 (0331), June 30 (0630), September 30 (0930), or December 31 (1231). Example: 20210331 for Q1 2021. If omitted, defaults to the same quarter one year before end_repdte."
   ),
-  end_repdte: import_zod7.z.string().regex(/^\d{8}$/).optional().describe(
+  end_repdte: import_zod8.z.string().regex(/^\d{8}$/).optional().describe(
     "Ending Report Date (REPDTE) in YYYYMMDD format. Must be a quarter-end date: March 31 (0331), June 30 (0630), September 30 (0930), or December 31 (1231). Must be later than start_repdte. Example: 20251231 for Q4 2025. If omitted, defaults to the most recent quarter-end date with published data (~90-day lag)."
   ),
   analysis_mode: AnalysisModeSchema.default("snapshot").describe(
     "Use snapshot for two-point comparison or timeseries for quarterly trend analysis across the date range."
   ),
-  include_demographics: import_zod7.z.boolean().default(true).describe(
+  include_demographics: import_zod8.z.boolean().default(true).describe(
     "Include office-count changes from the demographics dataset when available."
   ),
-  limit: import_zod7.z.number().int().min(1).max(100).default(10).describe("Maximum number of ranked comparisons to return."),
+  limit: import_zod8.z.number().int().min(1).max(100).default(10).describe("Maximum number of ranked comparisons to return."),
   sort_by: SortFieldSchema.default("asset_growth").describe(
     "Comparison field used to rank institutions. Valid options: asset_growth, asset_growth_pct, dep_growth, dep_growth_pct, netinc_change, netinc_change_pct, roa_change, roe_change, offices_change, assets_per_office_change, deposits_per_office_change, deposits_to_assets_change."
   ),
-  sort_order: import_zod7.z.enum(["ASC", "DESC"]).default("DESC").describe("Sort direction for the ranked comparisons.")
+  sort_order: import_zod8.z.enum(["ASC", "DESC"]).default("DESC").describe("Sort direction for the ranked comparisons.")
 });
 function resolveSnapshotDefaults(params) {
   const end_repdte = params.end_repdte ?? getDefaultReportDate();
@@ -33485,6 +33366,7 @@ Inputs:
 
 Returns concise comparison text plus structured deltas, derived metrics, and insight tags for each institution.`,
       inputSchema: SnapshotAnalysisSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -33738,7 +33620,7 @@ Returns concise comparison text plus structured deltas, derived metrics, and ins
 }
 
 // src/tools/peerGroup.ts
-var import_zod8 = require("zod");
+var import_zod9 = require("zod");
 
 // src/tools/shared/financialMetrics.ts
 function safeRatio(numerator, denominator) {
@@ -33882,33 +33764,33 @@ var METRIC_DEFINITIONS = {
     label: "Non-Interest Income Share"
   }
 };
-var PeerGroupInputSchema = import_zod8.z.object({
-  cert: import_zod8.z.number().int().positive().optional().describe(
+var PeerGroupInputSchema = import_zod9.z.object({
+  cert: import_zod9.z.number().int().positive().optional().describe(
     "Subject institution CERT number. When provided, auto-derives peer criteria and ranks this bank against peers."
   ),
-  repdte: import_zod8.z.string().regex(/^\d{8}$/).optional().describe(
+  repdte: import_zod9.z.string().regex(/^\d{8}$/).optional().describe(
     "Report Date (REPDTE) in YYYYMMDD format. FDIC data is published quarterly on: March 31, June 30, September 30, and December 31. Example: 20231231 for Q4 2023. If omitted, defaults to the most recent quarter-end date likely to have published data (~90-day lag)."
   ),
-  asset_min: import_zod8.z.number().positive().optional().describe(
+  asset_min: import_zod9.z.number().positive().optional().describe(
     "Minimum total assets ($thousands) for peer selection. Defaults to 50% of subject's report-date assets when cert is provided."
   ),
-  asset_max: import_zod8.z.number().positive().optional().describe(
+  asset_max: import_zod9.z.number().positive().optional().describe(
     "Maximum total assets ($thousands) for peer selection. Defaults to 200% of subject's report-date assets when cert is provided."
   ),
-  charter_classes: import_zod8.z.array(import_zod8.z.string()).optional().describe(
+  charter_classes: import_zod9.z.array(import_zod9.z.string()).optional().describe(
     `Charter class codes to include (e.g., ["N", "SM"]). Defaults to the subject's charter class when cert is provided.`
   ),
-  state: import_zod8.z.string().regex(/^[A-Z]{2}$/).optional().describe('Two-letter state code (e.g., "NC", "TX").'),
-  raw_filter: import_zod8.z.string().optional().describe(
+  state: import_zod9.z.string().regex(/^[A-Z]{2}$/).optional().describe('Two-letter state code (e.g., "NC", "TX").'),
+  raw_filter: import_zod9.z.string().optional().describe(
     "Advanced: raw ElasticSearch query string appended to peer selection criteria with AND."
   ),
-  active_only: import_zod8.z.boolean().default(true).describe(
+  active_only: import_zod9.z.boolean().default(true).describe(
     "Limit to institutions where ACTIVE:1 (currently operating, FDIC-insured)."
   ),
-  extra_fields: import_zod8.z.array(import_zod8.z.string()).optional().describe(
+  extra_fields: import_zod9.z.array(import_zod9.z.string()).optional().describe(
     "Additional FDIC field names to include as raw values in the response. Does not affect peer selection."
   ),
-  limit: import_zod8.z.number().int().min(1).max(500).default(50).describe(
+  limit: import_zod9.z.number().int().min(1).max(500).default(50).describe(
     "Max peer records returned in the response. All matched peers are used for ranking regardless of this limit."
   )
 });
@@ -34037,6 +33919,7 @@ Output includes:
 
 Override precedence: cert derives defaults, then explicit params override them.`,
       inputSchema: PeerGroupInputSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -34373,7 +34256,7 @@ Override precedence: cert derives defaults, then explicit params override them.`
 }
 
 // src/tools/bankHealth.ts
-var import_zod9 = require("zod");
+var import_zod10 = require("zod");
 
 // src/tools/shared/camelsScoring.ts
 var SCORING_RULES = {
@@ -35694,12 +35577,12 @@ function collectRiskSignals(metrics, components, trends) {
   }
   return signals;
 }
-var BankHealthInputSchema = import_zod9.z.object({
-  cert: import_zod9.z.number().int().positive().describe("FDIC Certificate Number of the institution to analyze."),
-  repdte: import_zod9.z.string().regex(/^\d{8}$/).optional().describe(
+var BankHealthInputSchema = import_zod10.z.object({
+  cert: import_zod10.z.number().int().positive().describe("FDIC Certificate Number of the institution to analyze."),
+  repdte: import_zod10.z.string().regex(/^\d{8}$/).optional().describe(
     "Report Date (YYYYMMDD). Defaults to the most recent quarter likely to have published data."
   ),
-  quarters: import_zod9.z.number().int().min(1).max(20).default(8).describe("Number of prior quarters to fetch for trend analysis (default 8).")
+  quarters: import_zod10.z.number().int().min(1).max(20).default(8).describe("Number of prior quarters to fetch for trend analysis (default 8).")
 });
 function registerBankHealthTools(server) {
   server.registerTool(
@@ -35720,6 +35603,7 @@ Output includes:
 
 NOTE: Management (M) is omitted from component scoring \u2014 cannot be assessed from public data. Sensitivity (S) uses proxy metrics (NIM trend, securities concentration). This is a public off-site analytical proxy, not an official CAMELS rating.`,
       inputSchema: BankHealthInputSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -35861,7 +35745,7 @@ NOTE: Management (M) is omitted from component scoring \u2014 cannot be assessed
 }
 
 // src/tools/peerHealth.ts
-var import_zod10 = require("zod");
+var import_zod11 = require("zod");
 
 // src/tools/shared/peerEngine.ts
 function computeMedian2(values) {
@@ -35935,15 +35819,15 @@ function computePeerStats(subjectValue, peerValues, options) {
 }
 
 // src/tools/peerHealth.ts
-var PeerHealthInputSchema = import_zod10.z.object({
-  cert: import_zod10.z.number().int().positive().optional().describe("Subject institution CERT to highlight in the ranking. Optional."),
-  certs: import_zod10.z.array(import_zod10.z.number().int().positive()).max(50).optional().describe("Explicit list of CERTs to compare (max 50)."),
-  state: import_zod10.z.string().regex(/^[A-Z]{2}$/).optional().describe('Two-letter state code to select all active institutions (e.g., "WY").'),
-  asset_min: import_zod10.z.number().positive().optional().describe("Minimum total assets ($thousands) for peer selection."),
-  asset_max: import_zod10.z.number().positive().optional().describe("Maximum total assets ($thousands) for peer selection."),
-  repdte: import_zod10.z.string().regex(/^\d{8}$/).optional().describe("Report Date (YYYYMMDD). Defaults to the most recent quarter."),
-  sort_by: import_zod10.z.enum(["composite", "capital", "asset_quality", "earnings", "liquidity", "sensitivity"]).default("composite").describe("Sort results by composite or a specific CAMELS component rating."),
-  limit: import_zod10.z.number().int().min(1).max(100).default(25).describe("Max institutions to return in the response.")
+var PeerHealthInputSchema = import_zod11.z.object({
+  cert: import_zod11.z.number().int().positive().optional().describe("Subject institution CERT to highlight in the ranking. Optional."),
+  certs: import_zod11.z.array(import_zod11.z.number().int().positive()).max(50).optional().describe("Explicit list of CERTs to compare (max 50)."),
+  state: import_zod11.z.string().regex(/^[A-Z]{2}$/).optional().describe('Two-letter state code to select all active institutions (e.g., "WY").'),
+  asset_min: import_zod11.z.number().positive().optional().describe("Minimum total assets ($thousands) for peer selection."),
+  asset_max: import_zod11.z.number().positive().optional().describe("Maximum total assets ($thousands) for peer selection."),
+  repdte: import_zod11.z.string().regex(/^\d{8}$/).optional().describe("Report Date (YYYYMMDD). Defaults to the most recent quarter."),
+  sort_by: import_zod11.z.enum(["composite", "capital", "asset_quality", "earnings", "liquidity", "sensitivity"]).default("composite").describe("Sort results by composite or a specific CAMELS component rating."),
+  limit: import_zod11.z.number().int().min(1).max(100).default(25).describe("Max institutions to return in the response.")
 });
 function sortKeyToComponent(key) {
   const map = {
@@ -35973,6 +35857,7 @@ Output: Ranked list with per-institution proxy_score (1-4 scale) and proxy_band,
 
 NOTE: Public off-site analytical proxy \u2014 not official supervisory ratings.`,
       inputSchema: PeerHealthInputSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -36342,7 +36227,7 @@ NOTE: Public off-site analytical proxy \u2014 not official supervisory ratings.`
 }
 
 // src/tools/riskSignals.ts
-var import_zod11 = require("zod");
+var import_zod12 = require("zod");
 function classifyRiskSignals(metrics, trends) {
   const signals = [];
   if (metrics.tier1_leverage !== null && metrics.tier1_leverage < 5) {
@@ -36413,15 +36298,15 @@ function classifyRiskSignals(metrics, trends) {
   return signals;
 }
 var SEVERITY_ORDER = { critical: 0, warning: 1, info: 2 };
-var RiskSignalsInputSchema = import_zod11.z.object({
-  state: import_zod11.z.string().regex(/^[A-Z]{2}$/).optional().describe("Scan all active institutions in this state."),
-  certs: import_zod11.z.array(import_zod11.z.number().int().positive()).max(50).optional().describe("Specific CERTs to scan (max 50)."),
-  asset_min: import_zod11.z.number().positive().optional().describe("Minimum total assets ($thousands) filter."),
-  asset_max: import_zod11.z.number().positive().optional().describe("Maximum total assets ($thousands) filter."),
-  repdte: import_zod11.z.string().regex(/^\d{8}$/).optional().describe("Report Date (YYYYMMDD). Defaults to the most recent quarter."),
-  min_severity: import_zod11.z.enum(["info", "warning", "critical"]).default("warning").describe("Minimum severity level to include in results (default: warning)."),
-  quarters: import_zod11.z.number().int().min(1).max(12).default(4).describe("Prior quarters to fetch for trend analysis (default 4)."),
-  limit: import_zod11.z.number().int().min(1).max(100).default(25).describe("Max flagged institutions to return.")
+var RiskSignalsInputSchema = import_zod12.z.object({
+  state: import_zod12.z.string().regex(/^[A-Z]{2}$/).optional().describe("Scan all active institutions in this state."),
+  certs: import_zod12.z.array(import_zod12.z.number().int().positive()).max(50).optional().describe("Specific CERTs to scan (max 50)."),
+  asset_min: import_zod12.z.number().positive().optional().describe("Minimum total assets ($thousands) filter."),
+  asset_max: import_zod12.z.number().positive().optional().describe("Maximum total assets ($thousands) filter."),
+  repdte: import_zod12.z.string().regex(/^\d{8}$/).optional().describe("Report Date (YYYYMMDD). Defaults to the most recent quarter."),
+  min_severity: import_zod12.z.enum(["info", "warning", "critical"]).default("warning").describe("Minimum severity level to include in results (default: warning)."),
+  quarters: import_zod12.z.number().int().min(1).max(12).default(4).describe("Prior quarters to fetch for trend analysis (default 4)."),
+  limit: import_zod12.z.number().int().min(1).max(100).default(25).describe("Max flagged institutions to return.")
 });
 function registerRiskSignalTools(server) {
   server.registerTool(
@@ -36444,6 +36329,7 @@ Output: Per-institution risk signals ranked by severity count. The proxy engine
 
 NOTE: Public off-site analytical proxy \u2014 not official supervisory ratings.`,
       inputSchema: RiskSignalsInputSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -36663,7 +36549,7 @@ NOTE: Public off-site analytical proxy \u2014 not official supervisory ratings.`
 }
 
 // src/tools/creditConcentration.ts
-var import_zod12 = require("zod");
+var import_zod13 = require("zod");
 
 // src/tools/shared/creditConcentration.ts
 var CREDIT_FIELDS = [
@@ -36779,9 +36665,9 @@ function formatCreditSummaryText(summary) {
   }
   return parts.join("\n");
 }
-var CreditConcentrationSchema = import_zod12.z.object({
-  cert: import_zod12.z.number().int().positive().describe("FDIC Certificate Number"),
-  repdte: import_zod12.z.string().regex(/^\d{8}$/).optional().describe("Report date (YYYYMMDD). Defaults to most recent quarter.")
+var CreditConcentrationSchema = import_zod13.z.object({
+  cert: import_zod13.z.number().int().positive().describe("FDIC Certificate Number"),
+  repdte: import_zod13.z.string().regex(/^\d{8}$/).optional().describe("Report date (YYYYMMDD). Defaults to most recent quarter.")
 });
 function registerCreditConcentrationTools(server) {
   server.registerTool(
@@ -36799,6 +36685,7 @@ Output includes:
 
 NOTE: This is an analytical tool based on public financial data.`,
       inputSchema: CreditConcentrationSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -36885,7 +36772,7 @@ NOTE: This is an analytical tool based on public financial data.`,
 }
 
 // src/tools/fundingProfile.ts
-var import_zod13 = require("zod");
+var import_zod14 = require("zod");
 
 // src/tools/shared/fundingProfile.ts
 var FUNDING_FIELDS = "CERT,REPDTE,ASSET,DEP,DEPDOM,DEPFOR,COREDEP,BROR,FREPP,EFREPP,EINTEXP,DEPDASTR,CHBALR,LNLSDEPR";
@@ -36985,9 +36872,9 @@ function formatFundingSummaryText(summary) {
   }
   return parts.join("\n");
 }
-var FundingProfileSchema = import_zod13.z.object({
-  cert: import_zod13.z.number().int().positive().describe("FDIC Certificate Number"),
-  repdte: import_zod13.z.string().regex(/^\d{8}$/).optional().describe("Report date (YYYYMMDD). Defaults to most recent quarter.")
+var FundingProfileSchema = import_zod14.z.object({
+  cert: import_zod14.z.number().int().positive().describe("FDIC Certificate Number"),
+  repdte: import_zod14.z.string().regex(/^\d{8}$/).optional().describe("Report date (YYYYMMDD). Defaults to most recent quarter.")
 });
 function registerFundingProfileTools(server) {
   server.registerTool(
@@ -37005,6 +36892,7 @@ Output includes:
 
 NOTE: This is an analytical tool based on public financial data.`,
       inputSchema: FundingProfileSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -37091,7 +36979,7 @@ NOTE: This is an analytical tool based on public financial data.`,
 }
 
 // src/tools/securitiesPortfolio.ts
-var import_zod14 = require("zod");
+var import_zod15 = require("zod");
 
 // src/tools/shared/securitiesPortfolio.ts
 var SECURITIES_FIELDS = "CERT,REPDTE,ASSET,EQTOT,SC,SCRES";
@@ -37176,9 +37064,9 @@ function formatSecuritiesSummaryText(summary) {
   }
   return parts.join("\n");
 }
-var SecuritiesPortfolioSchema = import_zod14.z.object({
-  cert: import_zod14.z.number().int().positive().describe("FDIC Certificate Number"),
-  repdte: import_zod14.z.string().regex(/^\d{8}$/).optional().describe("Report date (YYYYMMDD). Defaults to most recent quarter.")
+var SecuritiesPortfolioSchema = import_zod15.z.object({
+  cert: import_zod15.z.number().int().positive().describe("FDIC Certificate Number"),
+  repdte: import_zod15.z.string().regex(/^\d{8}$/).optional().describe("Report date (YYYYMMDD). Defaults to most recent quarter.")
 });
 function registerSecuritiesPortfolioTools(server) {
   server.registerTool(
@@ -37196,6 +37084,7 @@ Output includes:
 
 NOTE: This is an analytical tool based on public financial data. AFS/HTM breakdown is not currently available from the FDIC API.`,
       inputSchema: SecuritiesPortfolioSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -37282,7 +37171,7 @@ NOTE: This is an analytical tool based on public financial data. AFS/HTM breakdo
 }
 
 // src/tools/ubprAnalysis.ts
-var import_zod15 = require("zod");
+var import_zod16 = require("zod");
 
 // src/tools/shared/ubprRatios.ts
 var UBPR_FIELDS = "CERT,REPDTE,ASSET,ROA,ROE,ROAPTX,NIMY,EEFFR,INTINC,EINTEXP,NONII,NONIX,NETINC,ELNATRY,LNLSNET,LNRE,LNCI,LNCON,LNAG,DEP,COREDEP,DEPDOM,DEPFOR,BROR,FREPP,IDT1CER,IDT1RWAJR,EQV,EQTOT,LNLSDEPR,DEPDASTR,CHBALR,NPERFV,NCLNLSR,NTLNLSR,LNATRESR,LNRESNCR,SC";
@@ -37393,9 +37282,9 @@ function formatUbprSummaryText(summary) {
   parts.push("UBPR-equivalent calculations, not official FFIEC UBPR output.");
   return parts.join("\n");
 }
-var UbprAnalysisSchema = import_zod15.z.object({
-  cert: import_zod15.z.number().int().positive().describe("FDIC Certificate Number"),
-  repdte: import_zod15.z.string().length(8).optional().describe("Report date (YYYYMMDD). Defaults to most recent quarter.")
+var UbprAnalysisSchema = import_zod16.z.object({
+  cert: import_zod16.z.number().int().positive().describe("FDIC Certificate Number"),
+  repdte: import_zod16.z.string().length(8).optional().describe("Report date (YYYYMMDD). Defaults to most recent quarter.")
 });
 function registerUbprAnalysisTools(server) {
   server.registerTool(
@@ -37414,6 +37303,7 @@ Output includes:
 
 NOTE: This is an analytical tool based on public financial data.`,
       inputSchema: UbprAnalysisSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -37514,7 +37404,7 @@ NOTE: This is an analytical tool based on public financial data.`,
 }
 
 // src/tools/marketShareAnalysis.ts
-var import_zod16 = require("zod");
+var import_zod17 = require("zod");
 
 // src/tools/shared/marketShare.ts
 function computeMarketShare(branches) {
@@ -37627,16 +37517,16 @@ function formatMarketShareText(summary) {
 function getDefaultSodYear() {
   return (/* @__PURE__ */ new Date()).getFullYear() - 1;
 }
-var MarketShareInputSchema = import_zod16.z.object({
-  msa: import_zod16.z.number().int().positive().optional().describe(
+var MarketShareInputSchema = import_zod17.z.object({
+  msa: import_zod17.z.number().int().positive().optional().describe(
     "FDIC MSABR numeric code for the Metropolitan Statistical Area (e.g., 19100 for Dallas-Fort Worth-Arlington, 42660 for Seattle-Tacoma-Bellevue). Use fdic_search_sod with MSABR to look up codes."
   ),
-  city: import_zod16.z.string().optional().describe('City name (e.g., "Austin"). Requires state.'),
-  state: import_zod16.z.string().length(2).optional().describe(
+  city: import_zod17.z.string().optional().describe('City name (e.g., "Austin"). Requires state.'),
+  state: import_zod17.z.string().length(2).optional().describe(
     "Two-letter state abbreviation (e.g., TX). Required when using city filter."
   ),
-  year: import_zod16.z.number().int().min(1994).optional().describe("SOD report year (1994-present). Defaults to most recent."),
-  cert: import_zod16.z.number().int().positive().optional().describe("Highlight a specific institution in the results.")
+  year: import_zod17.z.number().int().min(1994).optional().describe("SOD report year (1994-present). Defaults to most recent."),
+  cert: import_zod17.z.number().int().positive().optional().describe("Highlight a specific institution in the results.")
 });
 function registerMarketShareAnalysisTools(server) {
   server.registerTool(
@@ -37659,6 +37549,7 @@ Output includes:
 
 Requires at least one of: msa (numeric MSABR code), or city + state.`,
       inputSchema: MarketShareInputSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -37774,7 +37665,7 @@ Requires at least one of: msa (numeric MSABR code), or city + state.`,
 }
 
 // src/tools/franchiseFootprint.ts
-var import_zod17 = require("zod");
+var import_zod18 = require("zod");
 var SOD_BRANCH_FIELDS = "CERT,NAMEFULL,DEPSUMBR,BRNUM,MSABR,STALPBR,YEAR";
 var SOD_FETCH_LIMIT2 = 1e4;
 var NON_MSA_LABEL = "Non-MSA / Rural";
@@ -37813,9 +37704,9 @@ function formatFranchiseFootprintText(summary) {
 function getDefaultSodYear2() {
   return (/* @__PURE__ */ new Date()).getFullYear() - 1;
 }
-var FranchiseFootprintInputSchema = import_zod17.z.object({
-  cert: import_zod17.z.number().int().positive().describe("FDIC Certificate Number"),
-  year: import_zod17.z.number().int().min(1994).optional().describe("SOD report year. Defaults to most recent.")
+var FranchiseFootprintInputSchema = import_zod18.z.object({
+  cert: import_zod18.z.number().int().positive().describe("FDIC Certificate Number"),
+  year: import_zod18.z.number().int().min(1994).optional().describe("SOD report year. Defaults to most recent.")
 });
 function registerFranchiseFootprintTools(server) {
   server.registerTool(
@@ -37833,6 +37724,7 @@ Output includes:
 
 Branches outside MSAs are grouped under "Non-MSA / Rural".`,
       inputSchema: FranchiseFootprintInputSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -37953,7 +37845,7 @@ Branches outside MSAs are grouped under "Non-MSA / Rural".`,
 }
 
 // src/tools/holdingCompanyProfile.ts
-var import_zod18 = require("zod");
+var import_zod19 = require("zod");
 
 // src/tools/shared/holdingCompany.ts
 var INDEPENDENT_LABEL = "(Independent)";
@@ -38070,11 +37962,11 @@ function formatHoldingCompanyProfileText(result) {
   }
   return parts.join("\n");
 }
-var HoldingCompanyProfileSchema = import_zod18.z.object({
-  hc_name: import_zod18.z.string().optional().describe(
+var HoldingCompanyProfileSchema = import_zod19.z.object({
+  hc_name: import_zod19.z.string().optional().describe(
     'Holding company name (e.g., "JPMORGAN CHASE & CO"). Uses NAMEHCR field.'
   ),
-  cert: import_zod18.z.number().int().positive().optional().describe(
+  cert: import_zod19.z.number().int().positive().optional().describe(
     "CERT of any subsidiary \u2014 looks up its holding company, then profiles the entire HC."
   )
 });
@@ -38092,6 +37984,7 @@ Output includes:
 
 NOTE: This is an analytical tool based on public financial data.`,
       inputSchema: HoldingCompanyProfileSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -38262,7 +38155,7 @@ NOTE: This is an analytical tool based on public financial data.`,
 }
 
 // src/tools/regionalContext.ts
-var import_zod19 = require("zod");
+var import_zod20 = require("zod");
 
 // src/services/fredClient.ts
 var import_axios2 = __toESM(require("axios"));
@@ -38462,14 +38355,14 @@ function formatRegionalContextText(summary) {
   parts.push("Note: Economic data from FRED (Federal Reserve Economic Data).");
   return parts.join("\n");
 }
-var RegionalContextSchema = import_zod19.z.object({
-  cert: import_zod19.z.number().int().positive().optional().describe(
+var RegionalContextSchema = import_zod20.z.object({
+  cert: import_zod20.z.number().int().positive().optional().describe(
     "FDIC Certificate Number \u2014 auto-detects state from institution record."
   ),
-  state: import_zod19.z.string().length(2).optional().describe(
+  state: import_zod20.z.string().length(2).optional().describe(
     "Two-letter state abbreviation (e.g., TX). Alternative to cert-based lookup."
   ),
-  repdte: import_zod19.z.string().regex(/^\d{8}$/).optional().describe(
+  repdte: import_zod20.z.string().regex(/^\d{8}$/).optional().describe(
     "Reference report date (YYYYMMDD). FRED data fetched for 2 years before this date."
   )
 });
@@ -38488,6 +38381,7 @@ Output includes:
 
 NOTE: Requires FRED_API_KEY environment variable for reliable data access. Degrades gracefully without it.`,
       inputSchema: RegionalContextSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -38625,6 +38519,909 @@ NOTE: Requires FRED_API_KEY environment variable for reliable data access. Degra
   );
 }
 
+// src/tools/chatgptRetrieval.ts
+var import_zod21 = require("zod");
+
+// src/tools/shared/chatgptUrls.ts
+var FDIC_BANKFIND_BASE_URL = "https://banks.data.fdic.gov/bankfind-suite";
+var FDIC_FAILED_BANK_LIST_URL = "https://www.fdic.gov/bank-failures/failed-bank-list";
+var PROJECT_TOOL_REFERENCE_URL = "https://jflamb.github.io/fdic-mcp-server/tool-reference/";
+function getInstitutionUrl(cert) {
+  return `${FDIC_BANKFIND_BASE_URL}/bankfind/details/${cert}`;
+}
+function getFailedBankListUrl() {
+  return FDIC_FAILED_BANK_LIST_URL;
+}
+function getSchemaDocsUrl(endpoint) {
+  return `${PROJECT_TOOL_REFERENCE_URL}#${encodeURIComponent(endpoint)}`;
+}
+function getBranchCitationUrl() {
+  return `${PROJECT_TOOL_REFERENCE_URL}#fdic_search_locations`;
+}
+
+// src/tools/chatgptRetrieval.ts
+var SearchInputSchema = import_zod21.z.object({
+  query: import_zod21.z.string().min(1).describe("Natural-language search query.")
+});
+var FetchInputSchema = import_zod21.z.object({
+  id: import_zod21.z.string().min(1).describe(
+    "Retrieval item id, such as institution:<CERT>, failure:<CERT>, branch:<UNINUM>, or schema:<endpoint>."
+  )
+});
+var MAX_SEARCH_RESULTS = 8;
+function asString(value) {
+  if (value === void 0 || value === null) {
+    return "";
+  }
+  return String(value);
+}
+function asNumber2(value) {
+  if (typeof value === "number" && Number.isFinite(value)) {
+    return value;
+  }
+  if (typeof value === "string" && value.trim() !== "") {
+    const parsed = Number(value);
+    return Number.isFinite(parsed) ? parsed : void 0;
+  }
+  return void 0;
+}
+function jsonText(payload) {
+  return JSON.stringify(payload);
+}
+function escapeFilterValue(value) {
+  return value.replace(/\\/g, "\\\\").replace(/"/g, '\\"').trim();
+}
+function normalizeQuery(query) {
+  return query.replace(/\s+/g, " ").trim();
+}
+function extractCertLikeNumber(query) {
+  const match = query.match(/\b(?:cert(?:ificate)?\s*#?\s*)?(\d{1,7})\b/i);
+  if (!match) {
+    return void 0;
+  }
+  return Number.parseInt(match[1], 10);
+}
+function shouldSearchFailures(query) {
+  return /\b(fail|failed|failure|closed|resolution|receivership)\b/i.test(
+    query
+  );
+}
+function shouldSearchBranches(query) {
+  return /\b(branch|branches|office|offices|location|locations|address|city|county|zip|market|msa)\b/i.test(
+    query
+  );
+}
+function shouldSearchSchemas(query) {
+  return /\b(schema|field|fields|column|columns|endpoint|call report|financials?|sod|summary of deposits|demographics|metadata)\b/i.test(
+    query
+  );
+}
+function getRecordTitle(record, fallback) {
+  return asString(record.NAME) || asString(record.UNINAME) || asString(record.NAMEFULL) || asString(record.OFFNAME) || fallback;
+}
+function formatLocation(record) {
+  return [record.CITY, record.STALP].map(asString).filter(Boolean).join(", ");
+}
+function buildBranchId(record) {
+  const uninum = asString(record.UNINUM);
+  if (uninum) {
+    return `branch:${encodeURIComponent(uninum)}`;
+  }
+  const cert = asString(record.CERT);
+  const brnum = asString(record.BRNUM);
+  const zip = asString(record.ZIP);
+  if (!cert || !brnum) {
+    return void 0;
+  }
+  return `branch:${encodeURIComponent([cert, brnum, zip].join("~"))}`;
+}
+function institutionSearchResult(record) {
+  const cert = asNumber2(record.CERT);
+  if (cert === void 0) {
+    return void 0;
+  }
+  const title = getRecordTitle(record, `FDIC institution ${cert}`);
+  const location = formatLocation(record);
+  return {
+    id: `institution:${cert}`,
+    title: location ? `${title} (${location})` : title,
+    url: getInstitutionUrl(cert)
+  };
+}
+function failureSearchResult(record) {
+  const cert = asNumber2(record.CERT);
+  if (cert === void 0) {
+    return void 0;
+  }
+  const title = getRecordTitle(record, `Failed bank ${cert}`);
+  const failDate = asString(record.FAILDATE);
+  return {
+    id: `failure:${cert}`,
+    title: failDate ? `${title} failed ${failDate}` : `${title} failure record`,
+    url: getFailedBankListUrl()
+  };
+}
+function branchSearchResult(record) {
+  const id = buildBranchId(record);
+  if (!id) {
+    return void 0;
+  }
+  const name = getRecordTitle(record, "FDIC branch location");
+  const address = [record.ADDRESS, record.CITY, record.STALP, record.ZIP].map(asString).filter(Boolean).join(", ");
+  return {
+    id,
+    title: address ? `${name} - ${address}` : name,
+    url: getBranchCitationUrl()
+  };
+}
+function schemaSearchResults(query) {
+  const normalized = normalizeQuery(query).toLowerCase();
+  const metadata = listEndpointMetadata();
+  return metadata.filter((endpoint) => {
+    if (normalized.includes(endpoint.endpoint.toLowerCase())) {
+      return true;
+    }
+    if (endpoint.title.toLowerCase().includes(normalized)) {
+      return true;
+    }
+    return Object.keys(endpoint.fields).some(
+      (field) => normalized.includes(field.toLowerCase())
+    );
+  }).slice(0, 2).map((endpoint) => ({
+    id: `schema:${endpoint.endpoint}`,
+    title: `${endpoint.title} schema`,
+    url: getSchemaDocsUrl(endpoint.endpoint)
+  }));
+}
+async function searchInstitutions(query) {
+  const cert = extractCertLikeNumber(query);
+  const filters = cert !== void 0 ? `CERT:${cert}` : `NAME:"${escapeFilterValue(query)}"`;
+  const response = await queryEndpoint(ENDPOINTS.INSTITUTIONS, {
+    filters,
+    fields: "CERT,NAME,CITY,STALP,ACTIVE",
+    limit: 3,
+    sort_by: "ACTIVE",
+    sort_order: "DESC"
+  });
+  return extractRecords(response).map(institutionSearchResult).filter((result) => result !== void 0);
+}
+async function searchFailures(query) {
+  const cert = extractCertLikeNumber(query);
+  const filters = cert !== void 0 ? `CERT:${cert}` : `NAME:"${escapeFilterValue(query)}"`;
+  const response = await queryEndpoint(ENDPOINTS.FAILURES, {
+    filters,
+    fields: "CERT,NAME,CITY,STALP,FAILDATE,RESTYPE",
+    limit: 2,
+    sort_by: "FAILDATE",
+    sort_order: "DESC"
+  });
+  return extractRecords(response).map(failureSearchResult).filter((result) => result !== void 0);
+}
+async function searchBranches(query) {
+  const cert = extractCertLikeNumber(query);
+  const normalized = normalizeQuery(query);
+  const zip = normalized.match(/\b\d{5}\b/)?.[0];
+  const filters = cert !== void 0 ? `CERT:${cert}` : zip !== void 0 ? `ZIP:${zip}` : `CITY:"${escapeFilterValue(normalized)}"`;
+  const response = await queryEndpoint(ENDPOINTS.LOCATIONS, {
+    filters,
+    fields: "UNINUM,CERT,NAME,OFFNAME,ADDRESS,CITY,STALP,ZIP",
+    limit: 3,
+    sort_by: "UNINUM",
+    sort_order: "ASC"
+  });
+  return extractRecords(response).map(branchSearchResult).filter((result) => result !== void 0);
+}
+async function safeSearch(searcher) {
+  try {
+    return await searcher();
+  } catch {
+    return [];
+  }
+}
+function dedupeResults(results) {
+  const seen = /* @__PURE__ */ new Set();
+  const deduped = [];
+  for (const result of results) {
+    if (seen.has(result.id)) {
+      continue;
+    }
+    seen.add(result.id);
+    deduped.push(result);
+  }
+  return deduped.slice(0, MAX_SEARCH_RESULTS);
+}
+function recordText(record, fields) {
+  return fields.map((field) => [field, asString(record[field])]).filter(([, value]) => value !== "").map(([field, value]) => `${field}: ${value}`).join("\n");
+}
+async function fetchInstitution(cert) {
+  const response = await queryEndpoint(ENDPOINTS.INSTITUTIONS, {
+    filters: `CERT:${cert}`,
+    limit: 1
+  });
+  const record = extractRecords(response)[0];
+  if (!record) {
+    throw new Error(`No institution found for CERT ${cert}.`);
+  }
+  const title = getRecordTitle(record, `FDIC institution ${cert}`);
+  return {
+    id: `institution:${cert}`,
+    title,
+    text: recordText(record, [
+      "CERT",
+      "NAME",
+      "CITY",
+      "STALP",
+      "STNAME",
+      "ACTIVE",
+      "ASSET",
+      "DEP",
+      "OFFICES",
+      "BKCLASS",
+      "REGAGNT",
+      "ESTYMD"
+    ]),
+    url: getInstitutionUrl(cert),
+    metadata: { type: "institution", cert, source: "FDIC BankFind Suite" }
+  };
+}
+async function fetchFailure(cert) {
+  const response = await queryEndpoint(ENDPOINTS.FAILURES, {
+    filters: `CERT:${cert}`,
+    limit: 1
+  });
+  const record = extractRecords(response)[0];
+  if (!record) {
+    throw new Error(`No failure record found for CERT ${cert}.`);
+  }
+  const title = getRecordTitle(record, `Failed bank ${cert}`);
+  return {
+    id: `failure:${cert}`,
+    title,
+    text: recordText(record, [
+      "CERT",
+      "NAME",
+      "CITY",
+      "STALP",
+      "FAILDATE",
+      "RESTYPE",
+      "QBFASSET",
+      "COST"
+    ]),
+    url: getFailedBankListUrl(),
+    metadata: { type: "failure", cert, source: "FDIC Failed Bank List" }
+  };
+}
+async function fetchBranch(rawId) {
+  const decoded = decodeURIComponent(rawId);
+  const [cert, brnum, zip] = decoded.split("~");
+  const filters = cert && brnum ? [`CERT:${cert}`, `BRNUM:${brnum}`, zip ? `ZIP:${zip}` : void 0].filter(Boolean).join(" AND ") : `UNINUM:${decoded}`;
+  const response = await queryEndpoint(ENDPOINTS.LOCATIONS, {
+    filters,
+    limit: 1
+  });
+  const record = extractRecords(response)[0];
+  if (!record) {
+    throw new Error(`No branch/location found for id ${rawId}.`);
+  }
+  const title = getRecordTitle(record, `FDIC branch ${rawId}`);
+  const id = buildBranchId(record) ?? `branch:${rawId}`;
+  return {
+    id,
+    title,
+    text: recordText(record, [
+      "UNINUM",
+      "CERT",
+      "UNINAME",
+      "NAMEFULL",
+      "ADDRESS",
+      "CITY",
+      "STALP",
+      "ZIP",
+      "COUNTY",
+      "BRNUM",
+      "BRSERTYP",
+      "ESTYMD",
+      "ENDEFYMD"
+    ]),
+    url: getBranchCitationUrl(),
+    metadata: {
+      type: "branch",
+      cert: record.CERT,
+      uninum: record.UNINUM,
+      source: "FDIC BankFind Suite locations"
+    }
+  };
+}
+function fetchSchema(endpoint) {
+  const metadata = getEndpointMetadata(endpoint);
+  if (!metadata) {
+    throw new Error(`No schema metadata found for endpoint ${endpoint}.`);
+  }
+  const fields = Object.values(metadata.fields).slice(0, 200).map((field) => {
+    const title = field.title ? ` - ${field.title}` : "";
+    return `${field.name}${title}`;
+  }).join("\n");
+  return {
+    id: `schema:${endpoint}`,
+    title: `${metadata.title} schema`,
+    text: [
+      metadata.description ?? metadata.title,
+      "",
+      `Endpoint: ${metadata.endpoint}`,
+      `Source: ${metadata.source.docsBaseUrl}`,
+      "",
+      "Fields:",
+      fields
+    ].join("\n"),
+    url: getSchemaDocsUrl(endpoint),
+    metadata: {
+      type: "schema",
+      endpoint,
+      field_count: Object.keys(metadata.fields).length,
+      source: metadata.source.docsBaseUrl
+    }
+  };
+}
+async function fetchById(id) {
+  const [kind, rawValue] = id.split(":", 2);
+  if (!kind || !rawValue) {
+    throw new Error(
+      "Invalid fetch id. Expected institution:<CERT>, failure:<CERT>, branch:<id>, or schema:<endpoint>."
+    );
+  }
+  if (kind === "institution") {
+    const cert = Number.parseInt(rawValue, 10);
+    if (!Number.isInteger(cert) || cert <= 0) {
+      throw new Error(`Invalid institution CERT in id ${id}.`);
+    }
+    return fetchInstitution(cert);
+  }
+  if (kind === "failure") {
+    const cert = Number.parseInt(rawValue, 10);
+    if (!Number.isInteger(cert) || cert <= 0) {
+      throw new Error(`Invalid failure CERT in id ${id}.`);
+    }
+    return fetchFailure(cert);
+  }
+  if (kind === "branch") {
+    return fetchBranch(rawValue);
+  }
+  if (kind === "schema") {
+    return fetchSchema(rawValue);
+  }
+  throw new Error(`Unsupported fetch id kind: ${kind}.`);
+}
+async function runSearch(query) {
+  const normalized = normalizeQuery(query);
+  const shouldIncludeFailures = shouldSearchFailures(normalized);
+  const shouldIncludeBranches = shouldSearchBranches(normalized);
+  const shouldIncludeSchemas = shouldSearchSchemas(normalized);
+  const [institutions, failures, branches] = await Promise.all([
+    safeSearch(() => searchInstitutions(normalized)),
+    shouldIncludeFailures ? safeSearch(() => searchFailures(normalized)) : Promise.resolve([]),
+    shouldIncludeBranches ? safeSearch(() => searchBranches(normalized)) : Promise.resolve([])
+  ]);
+  const fallbackFailures = failures.length === 0 && institutions.length === 0 ? await safeSearch(() => searchFailures(normalized)) : [];
+  const fallbackBranches = branches.length === 0 && institutions.length === 0 ? await safeSearch(() => searchBranches(normalized)) : [];
+  const schemas = shouldIncludeSchemas ? schemaSearchResults(normalized) : [];
+  const results = dedupeResults([
+    ...institutions,
+    ...failures,
+    ...branches,
+    ...fallbackFailures,
+    ...fallbackBranches,
+    ...schemas
+  ]);
+  return { results };
+}
+var SEARCH_DESCRIPTION = "Use this when the model needs citation-friendly FDIC BankFind search results for institutions, failed banks, branches, or schema documentation. Returns up to 8 results with id, title, and source URL.";
+var FETCH_DESCRIPTION = "Use this when the model needs the full citation text for a result returned by search. Pass the search result id (e.g. 'institution:3511', 'failure:1234', 'branch:<UNINUM>', 'schema:institutions').";
+function registerSearchTool(server, name) {
+  server.registerTool(
+    name,
+    {
+      title: "Search FDIC BankFind",
+      description: SEARCH_DESCRIPTION,
+      inputSchema: SearchInputSchema,
+      outputSchema: ChatGptSearchResultSchema,
+      annotations: {
+        readOnlyHint: true,
+        destructiveHint: false,
+        idempotentHint: true,
+        openWorldHint: true
+      }
+    },
+    async ({ query }) => {
+      const payload = await runSearch(query);
+      return {
+        content: [{ type: "text", text: jsonText(payload) }],
+        structuredContent: payload
+      };
+    }
+  );
+}
+function registerFetchTool(server, name) {
+  server.registerTool(
+    name,
+    {
+      title: "Fetch FDIC BankFind Result",
+      description: FETCH_DESCRIPTION,
+      inputSchema: FetchInputSchema,
+      outputSchema: ChatGptFetchResultSchema,
+      annotations: {
+        readOnlyHint: true,
+        destructiveHint: false,
+        idempotentHint: true,
+        openWorldHint: true
+      }
+    },
+    async ({ id }) => {
+      try {
+        const result = await fetchById(id);
+        return {
+          content: [{ type: "text", text: jsonText(result) }],
+          structuredContent: result
+        };
+      } catch (err) {
+        return formatToolError(err);
+      }
+    }
+  );
+}
+function registerChatGptRetrievalTools(server, options = {}) {
+  const includeCanonical = options.includeCanonicalNames ?? true;
+  const includeAliases = options.includeNamespacedAliases ?? true;
+  if (includeCanonical) {
+    registerSearchTool(server, "search");
+    registerFetchTool(server, "fetch");
+  }
+  if (includeAliases) {
+    registerSearchTool(server, "fdic_search");
+    registerFetchTool(server, "fdic_fetch");
+  }
+}
+
+// src/tools/chatgptBankDeepDive.ts
+var import_zod22 = require("zod");
+
+// src/resources/chatgptAppResources.ts
+var BANK_DEEP_DIVE_WIDGET_URI = "ui://widget/fdic-bank-deep-dive-v1.html";
+var MCP_APP_MIME_TYPE = "text/html;profile=mcp-app";
+var BANK_DEEP_DIVE_WIDGET_HTML = String.raw`
+<div id="root" class="fdic-app">
+  <section class="empty">Loading bank dashboard...</section>
+</div>
+<style>
+  :root {
+    color-scheme: light dark;
+    font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
+  }
+
+  body {
+    margin: 0;
+    background: Canvas;
+    color: CanvasText;
+  }
+
+  .fdic-app {
+    box-sizing: border-box;
+    min-height: 100%;
+    padding: 16px;
+  }
+
+  .empty,
+  .panel {
+    border: 1px solid color-mix(in srgb, CanvasText 14%, transparent);
+    border-radius: 8px;
+    padding: 14px;
+  }
+
+  .header {
+    display: grid;
+    gap: 6px;
+    margin-bottom: 14px;
+  }
+
+  .eyebrow {
+    color: color-mix(in srgb, CanvasText 58%, transparent);
+    font-size: 12px;
+    font-weight: 650;
+    text-transform: uppercase;
+  }
+
+  h1,
+  h2,
+  p {
+    margin: 0;
+  }
+
+  h1 {
+    font-size: 20px;
+    line-height: 1.25;
+    letter-spacing: 0;
+  }
+
+  h2 {
+    font-size: 14px;
+    line-height: 1.35;
+    letter-spacing: 0;
+  }
+
+  .subtle {
+    color: color-mix(in srgb, CanvasText 64%, transparent);
+    font-size: 13px;
+  }
+
+  .grid {
+    display: grid;
+    grid-template-columns: repeat(auto-fit, minmax(132px, 1fr));
+    gap: 8px;
+    margin: 12px 0;
+  }
+
+  .metric {
+    border: 1px solid color-mix(in srgb, CanvasText 12%, transparent);
+    border-radius: 8px;
+    padding: 10px;
+  }
+
+  .metric dt {
+    color: color-mix(in srgb, CanvasText 62%, transparent);
+    font-size: 12px;
+    margin: 0 0 6px;
+  }
+
+  .metric dd {
+    font-size: 16px;
+    font-weight: 680;
+    margin: 0;
+  }
+
+  .section {
+    margin-top: 14px;
+  }
+
+  .list {
+    display: grid;
+    gap: 6px;
+    margin: 8px 0 0;
+    padding: 0;
+    list-style: none;
+  }
+
+  .list li {
+    border-left: 3px solid color-mix(in srgb, CanvasText 24%, transparent);
+    padding: 4px 0 4px 8px;
+    font-size: 13px;
+  }
+
+  .actions {
+    display: flex;
+    flex-wrap: wrap;
+    gap: 8px;
+    margin-top: 14px;
+  }
+
+  button {
+    border: 1px solid color-mix(in srgb, CanvasText 18%, transparent);
+    border-radius: 8px;
+    background: Canvas;
+    color: CanvasText;
+    cursor: pointer;
+    font: inherit;
+    font-size: 13px;
+    padding: 8px 10px;
+  }
+</style>
+<script type="module">
+  const root = document.getElementById("root");
+
+  function formatMoney(value) {
+    if (typeof value !== "number") return "n/a";
+    if (Math.abs(value) >= 1000000) return "$" + (value / 1000000).toFixed(1) + "B";
+    if (Math.abs(value) >= 1000) return "$" + (value / 1000).toFixed(1) + "M";
+    return "$" + value.toLocaleString() + "k";
+  }
+
+  function escapeHtml(value) {
+    return String(value ?? "").replace(/[&<>"']/g, (char) => ({
+      "&": "&amp;",
+      "<": "&lt;",
+      ">": "&gt;",
+      '"': "&quot;",
+      "'": "&#39;",
+    }[char]));
+  }
+
+  function render(data) {
+    const institution = data?.institution ?? {};
+    const assessment = data?.assessment ?? {};
+    const metrics = data?.metrics ?? {};
+    const signals = data?.risk_signals ?? [];
+    const warnings = data?.warnings ?? [];
+    const sources = data?.sources ?? [];
+    const title = institution.name || "FDIC bank dashboard";
+
+    const signalItems = signals.length
+      ? signals.map((signal) => "<li>" + escapeHtml(signal) + "</li>").join("")
+      : "<li>No risk signals returned for this dashboard.</li>";
+    const warningSection = warnings.length
+      ? '<section class="section"><h2>Warnings</h2><ul class="list">' +
+        warnings.map((warning) => "<li>" + escapeHtml(warning) + "</li>").join("") +
+        "</ul></section>"
+      : "";
+    const sourceItems = sources
+      .map((source) => '<li><a href="' + escapeHtml(source.url) + '" target="_blank" rel="noreferrer">' + escapeHtml(source.title) + "</a></li>")
+      .join("");
+
+    root.innerHTML = [
+      '<article class="panel">',
+      '<header class="header">',
+      '<p class="eyebrow">FDIC BankFind</p>',
+      "<h1>" + escapeHtml(title) + "</h1>",
+      '<p class="subtle">' + escapeHtml(institution.city) + ", " + escapeHtml(institution.state) + " · CERT " + escapeHtml(institution.cert) + " · " + escapeHtml(institution.active ? "Active" : "Inactive or unknown") + "</p>",
+      '<p class="subtle">Report date: ' + escapeHtml(institution.report_date ?? "latest available") + " · Public analytical proxy, not an official CAMELS rating.</p>",
+      "</header>",
+      '<dl class="grid">',
+      '<div class="metric"><dt>Assets</dt><dd>' + formatMoney(institution.asset_thousands) + "</dd></div>",
+      '<div class="metric"><dt>Deposits</dt><dd>' + formatMoney(institution.deposit_thousands) + "</dd></div>",
+      '<div class="metric"><dt>Offices</dt><dd>' + escapeHtml(institution.offices ?? "n/a") + "</dd></div>",
+      '<div class="metric"><dt>Proxy band</dt><dd>' + escapeHtml(assessment.proxy_band ?? "n/a") + "</dd></div>",
+      '<div class="metric"><dt>ROA</dt><dd>' + escapeHtml(metrics.roa ?? "n/a") + "</dd></div>",
+      '<div class="metric"><dt>Tier 1 leverage</dt><dd>' + escapeHtml(metrics.tier1_leverage ?? "n/a") + "</dd></div>",
+      "</dl>",
+      '<section class="section"><h2>Risk Signals</h2><ul class="list">' + signalItems + "</ul></section>",
+      warningSection,
+      '<section class="section"><h2>Sources</h2><ul class="list">' + sourceItems + "</ul></section>",
+      '<div class="actions">',
+      '<button type="button" data-message="Compare CERT ' + escapeHtml(institution.cert) + ' with peers.">Compare peers</button>',
+      '<button type="button" data-message="Show the branch footprint for CERT ' + escapeHtml(institution.cert) + '.">Branch footprint</button>',
+      '<button type="button" data-message="Analyze the funding profile for CERT ' + escapeHtml(institution.cert) + '.">Funding profile</button>',
+      "</div>",
+      "</article>",
+    ].join("");
+  }
+
+  window.addEventListener("message", (event) => {
+    const message = event.data;
+    if (message?.method === "ui/notifications/tool-result") {
+      render(message.params?.structuredContent);
+    }
+  });
+
+  root.addEventListener("click", (event) => {
+    const button = event.target.closest("button[data-message]");
+    if (!button) return;
+    const text = button.getAttribute("data-message");
+    window.parent.postMessage({
+      jsonrpc: "2.0",
+      method: "ui/message",
+      params: { role: "user", content: [{ type: "text", text }] },
+    }, "*");
+  });
+
+  const initial = window.openai?.toolOutput ?? window.openai?.toolResponse?.structuredContent;
+  if (initial) {
+    render(initial);
+  }
+</script>
+`.trim();
+function registerChatGptAppResources(server) {
+  server.registerResource(
+    "fdic-bank-deep-dive-widget",
+    BANK_DEEP_DIVE_WIDGET_URI,
+    {
+      title: "FDIC Bank Deep Dive Widget",
+      description: "Interactive ChatGPT widget for a public FDIC bank deep-dive dashboard.",
+      mimeType: MCP_APP_MIME_TYPE
+    },
+    async () => ({
+      contents: [
+        {
+          uri: BANK_DEEP_DIVE_WIDGET_URI,
+          mimeType: MCP_APP_MIME_TYPE,
+          text: BANK_DEEP_DIVE_WIDGET_HTML,
+          _meta: {
+            ui: {
+              prefersBorder: true,
+              csp: {
+                connectDomains: [],
+                resourceDomains: []
+              }
+            },
+            "openai/widgetDescription": "Renders an FDIC bank deep-dive dashboard from public BankFind data.",
+            "openai/widgetPrefersBorder": true,
+            "openai/widgetCSP": {
+              connect_domains: [],
+              resource_domains: []
+            }
+          }
+        }
+      ]
+    })
+  );
+}
+
+// src/tools/chatgptBankDeepDive.ts
+var BankDeepDiveInputSchema = import_zod22.z.object({
+  cert: import_zod22.z.number().int().positive().describe("FDIC Certificate Number of the institution to render."),
+  repdte: import_zod22.z.string().regex(/^\d{8}$/).optional().describe(
+    "Quarter-end report date in YYYYMMDD format. Defaults to the most recent likely published quarter."
+  )
+});
+function asNumber3(value) {
+  return typeof value === "number" && Number.isFinite(value) ? value : void 0;
+}
+function asString2(value) {
+  return value === void 0 || value === null ? "" : String(value);
+}
+function formatRatio(value) {
+  return typeof value === "number" && Number.isFinite(value) ? `${value.toFixed(2)}%` : void 0;
+}
+function collectDashboardRiskSignals(financials) {
+  if (!financials) {
+    return [];
+  }
+  const signals = [];
+  const tier1Leverage = asNumber3(financials.IDT1CER);
+  const roa = asNumber3(financials.ROA);
+  const noncurrentLoans = asNumber3(financials.NCLNLSR);
+  const brokeredDeposits = asNumber3(financials.BRO);
+  if (tier1Leverage !== void 0 && tier1Leverage < 5) {
+    signals.push(
+      `Tier 1 leverage ratio is ${tier1Leverage.toFixed(2)}%, below the 5% well-capitalized threshold.`
+    );
+  }
+  if (roa !== void 0 && roa < 0) {
+    signals.push(`Return on assets is negative at ${roa.toFixed(2)}%.`);
+  }
+  if (noncurrentLoans !== void 0 && noncurrentLoans > 3) {
+    signals.push(
+      `Noncurrent loans ratio is elevated at ${noncurrentLoans.toFixed(2)}%.`
+    );
+  }
+  if (brokeredDeposits !== void 0 && brokeredDeposits > 0) {
+    signals.push(
+      "Brokered deposit fields are present; review funding-profile analysis for reliance context."
+    );
+  }
+  return signals;
+}
+function buildDashboardText(institution, repdte, riskSignals, warnings) {
+  const lines = [
+    `FDIC Bank Deep Dive: ${asString2(institution.NAME)} (CERT ${asString2(institution.CERT)})`,
+    `${asString2(institution.CITY)}, ${asString2(institution.STALP)} | Report date: ${repdte}`,
+    "This dashboard uses public FDIC BankFind data and is not an official CAMELS rating or supervisory conclusion.",
+    "",
+    `Assets: ${asString2(institution.ASSET) || "n/a"} ($thousands)`,
+    `Deposits: ${asString2(institution.DEP) || "n/a"} ($thousands)`,
+    `Offices: ${asString2(institution.OFFICES) || "n/a"}`
+  ];
+  if (riskSignals.length > 0) {
+    lines.push("", "Risk signals:", ...riskSignals.map((signal) => `- ${signal}`));
+  }
+  if (warnings.length > 0) {
+    lines.push("", "Warnings:", ...warnings.map((warning) => `- ${warning}`));
+  }
+  return lines.join("\n");
+}
+function registerChatGptBankDeepDiveTool(server) {
+  server.registerTool(
+    "fdic_show_bank_deep_dive",
+    {
+      title: "Show Bank Deep Dive Dashboard",
+      description: "Use this when the user wants a scannable ChatGPT dashboard for one FDIC-insured institution, including identity, public financial metrics, risk signals, and source links.",
+      inputSchema: BankDeepDiveInputSchema,
+      outputSchema: FdicBankDeepDiveOutputSchema,
+      annotations: {
+        readOnlyHint: true,
+        destructiveHint: false,
+        idempotentHint: true,
+        openWorldHint: true
+      },
+      _meta: {
+        ui: { resourceUri: BANK_DEEP_DIVE_WIDGET_URI },
+        "openai/outputTemplate": BANK_DEEP_DIVE_WIDGET_URI,
+        "openai/toolInvocation/invoking": "Building bank dashboard...",
+        "openai/toolInvocation/invoked": "Bank dashboard ready"
+      }
+    },
+    async (rawParams) => {
+      const repdte = rawParams.repdte ?? getDefaultReportDate();
+      const dateError = validateQuarterEndDate(repdte, "repdte");
+      if (dateError) {
+        return formatToolError(new Error(dateError));
+      }
+      try {
+        const [institutionResponse, financialsResponse] = await Promise.all([
+          queryEndpoint(ENDPOINTS.INSTITUTIONS, {
+            filters: `CERT:${rawParams.cert}`,
+            fields: "CERT,NAME,CITY,STALP,STNAME,ACTIVE,ASSET,DEP,OFFICES,BKCLASS,REGAGNT,ESTYMD",
+            limit: 1
+          }),
+          queryEndpoint(ENDPOINTS.FINANCIALS, {
+            filters: `CERT:${rawParams.cert} AND REPDTE:${repdte}`,
+            fields: "CERT,REPDTE,ASSET,DEP,ROA,ROE,IDT1CER,NCLNLSR,LNLSDEPR,NIMY,EEFFR",
+            limit: 1
+          })
+        ]);
+        const institution = extractRecords(institutionResponse)[0];
+        if (!institution) {
+          return formatToolError(
+            new Error(`No institution found with CERT number ${rawParams.cert}.`)
+          );
+        }
+        const financials = extractRecords(financialsResponse)[0];
+        const warnings = financials ? [] : [
+          `No financial record found for CERT ${rawParams.cert} at ${repdte}. Try an earlier quarter-end date.`
+        ];
+        const riskSignals = collectDashboardRiskSignals(financials);
+        const structuredContent = {
+          institution: {
+            cert: rawParams.cert,
+            name: asString2(institution.NAME),
+            city: asString2(institution.CITY),
+            state: asString2(institution.STALP),
+            active: institution.ACTIVE === 1 || institution.ACTIVE === "1",
+            asset_thousands: asNumber3(financials?.ASSET) ?? asNumber3(institution.ASSET),
+            deposit_thousands: asNumber3(financials?.DEP) ?? asNumber3(institution.DEP),
+            offices: asNumber3(institution.OFFICES),
+            charter_class: asString2(institution.BKCLASS),
+            regulator: asString2(institution.REGAGNT),
+            established: asString2(institution.ESTYMD),
+            report_date: repdte
+          },
+          assessment: {
+            official_rating: false,
+            proxy_band: riskSignals.length > 0 ? "review" : "no major public flags",
+            caveat: "Public off-site analytical dashboard; not an official CAMELS rating or confidential supervisory conclusion."
+          },
+          metrics: {
+            roa: formatRatio(financials?.ROA),
+            roe: formatRatio(financials?.ROE),
+            tier1_leverage: formatRatio(financials?.IDT1CER),
+            noncurrent_loans: formatRatio(financials?.NCLNLSR),
+            loan_to_deposit: formatRatio(financials?.LNLSDEPR),
+            net_interest_margin: formatRatio(financials?.NIMY),
+            efficiency_ratio: formatRatio(financials?.EEFFR)
+          },
+          risk_signals: riskSignals,
+          warnings,
+          sources: [
+            {
+              title: "FDIC BankFind institution profile",
+              url: getInstitutionUrl(rawParams.cert)
+            }
+          ]
+        };
+        return {
+          content: [
+            {
+              type: "text",
+              text: truncateIfNeeded(
+                buildDashboardText(institution, repdte, riskSignals, warnings),
+                CHARACTER_LIMIT
+              )
+            }
+          ],
+          structuredContent,
+          _meta: {
+            widget: {
+              resourceUri: BANK_DEEP_DIVE_WIDGET_URI
+            },
+            raw: {
+              institution,
+              financials: financials ?? null
+            }
+          }
+        };
+      } catch (err) {
+        return formatToolError(err);
+      }
+    }
+  );
+}
+
 // src/resources/schemaResources.ts
 var RESOURCE_SCHEME = "fdic";
 var INDEX_URI = `${RESOURCE_SCHEME}://schemas/index`;
@@ -38695,33 +39492,218 @@ function registerSchemaResources(server) {
   }
 }
 
+// src/prompts/workflows.ts
+var import_zod23 = require("zod");
+var BankDeepDiveArgs = {
+  bank: import_zod23.z.string().min(1).describe("Bank name or FDIC Certificate Number (CERT)."),
+  repdte: import_zod23.z.string().regex(/^\d{8}$/).optional().describe(
+    "Optional quarter-end report date in YYYYMMDD format (0331, 0630, 0930, or 1231)."
+  )
+};
+var FailureForensicsArgs = {
+  bank: import_zod23.z.string().min(1).describe("Failed bank name or FDIC Certificate Number (CERT)."),
+  lookback_quarters: import_zod23.z.string().regex(/^\d+$/).optional().describe(
+    "Number of pre-failure quarters to reconstruct (default 12 if omitted)."
+  )
+};
+var PortfolioSurveillanceArgs = {
+  scope: import_zod23.z.string().min(1).describe(
+    "Universe to screen \u2014 e.g., 'state:NC', 'asset_min:1000000,asset_max:10000000', or a comma-separated CERT list ('certs:3511,29846,...')."
+  ),
+  repdte: import_zod23.z.string().regex(/^\d{8}$/).optional().describe("Optional quarter-end report date in YYYYMMDD format.")
+};
+var ExaminerOverlayArgs = {
+  bank: import_zod23.z.string().min(1).describe("Bank name or FDIC Certificate Number (CERT)."),
+  qualitative_notes: import_zod23.z.string().optional().describe(
+    "Optional qualitative analyst inputs (management quality, governance, exam findings) to overlay onto the public proxy assessment."
+  )
+};
+function userText(text) {
+  return {
+    role: "user",
+    content: { type: "text", text }
+  };
+}
+function registerWorkflowPrompts(server) {
+  server.registerPrompt(
+    "bank_deep_dive",
+    {
+      title: "Comprehensive Bank Deep Dive",
+      description: "Produce a comprehensive single-institution analysis report (health, financials, peer benchmarking, credit concentration, funding profile, securities, franchise footprint, regional context).",
+      argsSchema: BankDeepDiveArgs
+    },
+    ({ bank, repdte }) => ({
+      messages: [
+        userText(
+          [
+            `Run a comprehensive FDIC bank deep dive for "${bank}"${repdte ? ` as of ${repdte}` : ""}.`,
+            "",
+            "Steps:",
+            "1. If a CERT was not given, call fdic_search_institutions to resolve the bank to a CERT.",
+            "2. Call fdic_analyze_bank_health and fdic_ubpr_analysis for the resolved CERT.",
+            "3. Call fdic_peer_group_analysis to benchmark the institution against peers.",
+            "4. Call fdic_analyze_credit_concentration, fdic_analyze_funding_profile, and fdic_analyze_securities_portfolio.",
+            "5. Call fdic_franchise_footprint for branch/deposit geography and fdic_regional_context for the home market.",
+            "6. Synthesize into a narrative report with: identity & footprint, health summary, financial performance, peer position, credit concentration, funding profile, securities portfolio, regional context, and a public-data caveat.",
+            "",
+            "All output must be grounded in tool results. Treat any CAMELS-style scoring as a public off-site analytical proxy \u2014 not an official supervisory rating. Note unit conventions ($thousands) where relevant."
+          ].join("\n")
+        )
+      ]
+    })
+  );
+  server.registerPrompt(
+    "failure_forensics",
+    {
+      title: "Failed Bank Forensics",
+      description: "Reconstruct the pre-failure financial timeline of a failed FDIC institution and identify the earliest visible warning signals.",
+      argsSchema: FailureForensicsArgs
+    },
+    ({ bank, lookback_quarters }) => ({
+      messages: [
+        userText(
+          [
+            `Run a failure-forensics post-mortem for "${bank}" using the FDIC tools.`,
+            "",
+            "Steps:",
+            "1. Resolve the bank to a CERT via fdic_search_institutions or fdic_search.",
+            "2. Call fdic_get_institution_failure to confirm failure date, resolution type, and cost.",
+            `3. Call fdic_search_financials with CERT and a sort_by:REPDTE DESC ordering to pull the prior ${lookback_quarters ?? "12"} quarters before the failure date.`,
+            "4. Call fdic_analyze_credit_concentration, fdic_analyze_funding_profile, and fdic_analyze_securities_portfolio at the latest available pre-failure quarter.",
+            "5. Call fdic_search_history for structural-change events (mergers, charter conversions, assistance) leading up to the failure.",
+            "6. Synthesize a forensic timeline with: failure facts, the deterioration arc (capital, asset quality, earnings, liquidity), the earliest warning signals visible in public data, and likely drivers.",
+            "",
+            "Highlight inflection points (e.g. quarter ROA turned negative, when noncurrent loans exceeded reserves). Reference each finding to the report date that supports it."
+          ].join("\n")
+        )
+      ]
+    })
+  );
+  server.registerPrompt(
+    "portfolio_surveillance",
+    {
+      title: "Portfolio Surveillance Watchlist",
+      description: "Screen a universe of FDIC institutions and produce a decision-ready watchlist tiered Escalate / Monitor / No Immediate Concern.",
+      argsSchema: PortfolioSurveillanceArgs
+    },
+    ({ scope, repdte }) => ({
+      messages: [
+        userText(
+          [
+            `Run portfolio surveillance over scope: "${scope}"${repdte ? ` as of ${repdte}` : ""}.`,
+            "",
+            "Steps:",
+            "1. Build the institution roster:",
+            "   - state:<XX> \u2192 fdic_search_institutions filters STALP:<XX> AND ACTIVE:1",
+            "   - asset_min:<n>,asset_max:<n> \u2192 ASSET range",
+            "   - certs:<csv> \u2192 use the comma-separated list directly",
+            "2. Call fdic_detect_risk_signals across the roster.",
+            "3. Call fdic_compare_peer_health to rank by composite proxy band.",
+            "4. For the highest-risk subset, call fdic_analyze_bank_health for full proxy assessments.",
+            "5. Tier institutions:",
+            "   - Escalate: critical risk signals or proxy band 'unsatisfactory'.",
+            "   - Monitor: warning signals or 'fair' band, especially deteriorating trends.",
+            "   - No Immediate Concern: no critical signals, satisfactory or strong band.",
+            "6. Produce a watchlist table per tier (CERT, name, key signals, rationale).",
+            "",
+            "Treat all scoring as a public off-site analytical proxy. Surface data caveats explicitly."
+          ].join("\n")
+        )
+      ]
+    })
+  );
+  server.registerPrompt(
+    "examiner_overlay",
+    {
+      title: "Examiner Overlay Assessment",
+      description: "Layer qualitative analyst/examiner inputs on top of the public CAMELS proxy and produce a blended assessment with explicit provenance.",
+      argsSchema: ExaminerOverlayArgs
+    },
+    ({ bank, qualitative_notes }) => ({
+      messages: [
+        userText(
+          [
+            `Produce an examiner-overlay assessment for "${bank}".`,
+            "",
+            "Steps:",
+            "1. Resolve to a CERT via fdic_search_institutions if needed.",
+            "2. Call fdic_analyze_bank_health to get the public_camels_proxy_v1 baseline (capital, asset quality, earnings, liquidity, sensitivity).",
+            "3. Call fdic_ubpr_analysis for performance ratios and fdic_analyze_funding_profile / fdic_analyze_credit_concentration for sub-component depth.",
+            "4. Combine the public baseline with qualitative analyst inputs:",
+            qualitative_notes ? `   Analyst notes: ${qualitative_notes}` : "   (No qualitative inputs provided \u2014 produce the public baseline and clearly mark which factors would benefit from qualitative overlay.)",
+            "5. Produce a blended assessment with two columns labeled exactly: 'Public-data finding' and 'Examiner overlay'. Never present overlay inputs as if they came from public data.",
+            "6. Final composite must reconcile both columns and call out any divergence.",
+            "",
+            "Disclaimer: this overlay is not an official CAMELS rating or confidential supervisory conclusion."
+          ].join("\n")
+        )
+      ]
+    })
+  );
+}
+
 // src/index.ts
-function createServer() {
+function resolveProfile(raw) {
+  const tokens = (raw ?? "all").split(",").map((token) => token.trim().toLowerCase()).filter((token) => token.length > 0);
+  const has = (token) => tokens.includes(token);
+  const all = has("all") || tokens.length === 0;
+  const includeChatgpt = all || has("chatgpt");
+  return {
+    core: all || has("core"),
+    analysis: all || has("analysis"),
+    chatgptCanonical: all || includeChatgpt || has("chatgpt-canonical"),
+    chatgptAliases: all || includeChatgpt || has("chatgpt-aliases"),
+    chatgptDeepDive: all || includeChatgpt,
+    prompts: all || has("prompts"),
+    resources: all || has("resources")
+  };
+}
+function createServer(options = {}) {
   const server = new import_mcp.McpServer({
     name: "fdic-mcp-server",
     version: VERSION
   });
-  registerInstitutionTools(server);
-  registerFailureTools(server);
-  registerLocationTools(server);
-  registerHistoryTools(server);
-  registerFinancialTools(server);
-  registerSodTools(server);
-  registerDemographicsTools(server);
-  registerAnalysisTools(server);
-  registerPeerGroupTools(server);
-  registerBankHealthTools(server);
-  registerPeerHealthTools(server);
-  registerRiskSignalTools(server);
-  registerCreditConcentrationTools(server);
-  registerFundingProfileTools(server);
-  registerSecuritiesPortfolioTools(server);
-  registerUbprAnalysisTools(server);
-  registerMarketShareAnalysisTools(server);
-  registerFranchiseFootprintTools(server);
-  registerHoldingCompanyProfileTools(server);
-  registerRegionalContextTools(server);
-  registerSchemaResources(server);
+  const profile = resolveProfile(options.profile ?? process.env.FDIC_MCP_PROFILE);
+  if (profile.core) {
+    registerInstitutionTools(server);
+    registerFailureTools(server);
+    registerLocationTools(server);
+    registerHistoryTools(server);
+    registerFinancialTools(server);
+    registerSodTools(server);
+    registerDemographicsTools(server);
+  }
+  if (profile.analysis) {
+    registerAnalysisTools(server);
+    registerPeerGroupTools(server);
+    registerBankHealthTools(server);
+    registerPeerHealthTools(server);
+    registerRiskSignalTools(server);
+    registerCreditConcentrationTools(server);
+    registerFundingProfileTools(server);
+    registerSecuritiesPortfolioTools(server);
+    registerUbprAnalysisTools(server);
+    registerMarketShareAnalysisTools(server);
+    registerFranchiseFootprintTools(server);
+    registerHoldingCompanyProfileTools(server);
+    registerRegionalContextTools(server);
+  }
+  if (profile.chatgptCanonical || profile.chatgptAliases) {
+    registerChatGptRetrievalTools(server, {
+      includeCanonicalNames: profile.chatgptCanonical,
+      includeNamespacedAliases: profile.chatgptAliases
+    });
+  }
+  if (profile.chatgptDeepDive) {
+    registerChatGptBankDeepDiveTool(server);
+    registerChatGptAppResources(server);
+  }
+  if (profile.resources) {
+    registerSchemaResources(server);
+  }
+  if (profile.prompts) {
+    registerWorkflowPrompts(server);
+  }
   return server;
 }
 async function runStdio() {
@@ -38793,23 +39775,61 @@ function sendInvalidSessionResponse(res) {
 }
 function createApp(options = {}) {
   const app = (0, import_express2.default)();
-  const serverFactory = options.serverFactory ?? createServer;
+  const serverFactory = options.serverFactory ?? (() => createServer());
   const port = options.port ?? 3e3;
   const allowedOrigins = options.allowedOrigins ?? parseAllowedOrigins(void 0, port);
   const sessions = /* @__PURE__ */ new Map();
   const chatSessions = /* @__PURE__ */ new Map();
   const sessionIdleTimeoutMs = options.sessionIdleTimeoutMs ?? DEFAULT_SESSION_IDLE_TIMEOUT_MS;
   const sessionSweepIntervalMs = options.sessionSweepIntervalMs ?? DEFAULT_SESSION_SWEEP_INTERVAL_MS;
+  const stateless = options.stateless ?? process.env.FDIC_MCP_STATELESS_HTTP === "true";
   app.use(import_express2.default.json());
-  const sessionSweepTimer = setInterval(() => {
-    void sweepIdleSessions(sessions, sessionIdleTimeoutMs, Date.now());
-    sweepIdleChatSessions(chatSessions, sessionIdleTimeoutMs, Date.now());
-  }, sessionSweepIntervalMs);
-  sessionSweepTimer.unref?.();
+  if (!stateless) {
+    const sessionSweepTimer = setInterval(() => {
+      void sweepIdleSessions(sessions, sessionIdleTimeoutMs, Date.now());
+      sweepIdleChatSessions(chatSessions, sessionIdleTimeoutMs, Date.now());
+    }, sessionSweepIntervalMs);
+    sessionSweepTimer.unref?.();
+  }
   app.get("/health", (_req, res) => {
     res.json({ status: "ok", server: "fdic-mcp-server", version: VERSION });
   });
   app.all("/mcp", async (req, res) => {
+    if (stateless) {
+      let server;
+      let transport;
+      try {
+        server = serverFactory();
+        transport = new import_streamableHttp.StreamableHTTPServerTransport({
+          sessionIdGenerator: void 0,
+          enableJsonResponse: true,
+          enableDnsRebindingProtection: true,
+          allowedOrigins
+        });
+        res.on("close", () => {
+          void transport?.close().catch(() => {
+          });
+          void server?.close().catch(() => {
+          });
+        });
+        await server.connect(transport);
+        await transport.handleRequest(req, res, req.body);
+      } catch (error) {
+        console.error("MCP request error:", error);
+        if (!res.headersSent) {
+          res.status(500).json({
+            jsonrpc: "2.0",
+            error: { code: -32603, message: "Internal server error" },
+            id: null
+          });
+        }
+        await transport?.close().catch(() => {
+        });
+        await server?.close().catch(() => {
+        });
+      }
+      return;
+    }
     const sessionIdHeader = req.headers["mcp-session-id"];
     const sessionId = typeof sessionIdHeader === "string" ? sessionIdHeader : void 0;
     try {