# Banking Regulations (npm · @pipeworx/mcp-banking-regulations)

Banking Regulations MCP — US banking & consumer-finance rules (12 CFR).

- Trust score: 81/100 (high trust)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `gateway.pipeworx.io`: 77/100, [markdown](https://verifymcp.io/servers/pipeworx-io-banking-regulations/banking-regulations-mcp.md), [page](https://verifymcp.io/servers/pipeworx-io-banking-regulations/banking-regulations-mcp)
- npm · `@pipeworx/mcp-banking-regulations`: 81/100 (this document), [markdown](https://verifymcp.io/servers/pipeworx-io-banking-regulations/pipeworx-mcp-banking-regulations.md), [page](https://verifymcp.io/servers/pipeworx-io-banking-regulations/pipeworx-mcp-banking-regulations)

## Channel facts

- Registry: `npm`
- Package: `@pipeworx/mcp-banking-regulations`
- Version: `0.2.1`
- Transport: `stdio`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically from public evidence about the published package, including repeated runs of it in an isolated sandbox, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Supply Chain Security**: 100/100
  - No malware found by supply-chain analysis.
  - No known CVEs affecting this package version or its production dependencies.
  - No install/post-install scripts declared.
  - No production dependencies, so there is no dependency health to assess.
- **Provenance & Transparency**: 97/100
  - Source repository is publicly reachable at the declared URL.
  - Cryptographically verified build provenance (signed, bound to pipeworx-io/mcp-banking-regulations).
  - Clear OSI-approved license (MIT).
  - Actively maintained (last published 5 days ago).
  - Disclosure check failed: no security disclosure policy was found in the source repository.
- **Schema Quality & AI Usability**: 57/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 902 tokens (~451/item across 2 items; 2 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 23/100
  - Stability observed for 7 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 2 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 3 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the Banking Regulations MCP server?

Banking Regulations runs locally as an npm package, launched with npx -y @pipeworx/mcp-banking-regulations. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add pipeworx-io-banking-regulations -- npx -y @pipeworx/mcp-banking-regulations
```

### Cursor

```json
{
  "mcpServers": {
    "pipeworx-io-banking-regulations": {
      "command": "npx",
      "args": [
        "-y",
        "@pipeworx/mcp-banking-regulations"
      ]
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "pipeworx-io-banking-regulations": {
      "command": "npx",
      "args": [
        "-y",
        "@pipeworx/mcp-banking-regulations"
      ]
    }
  }
}
```

### Codex

```bash
codex mcp add pipeworx-io-banking-regulations -- npx -y @pipeworx/mcp-banking-regulations
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "pipeworx-io-banking-regulations": {
      "type": "local",
      "command": [
        "npx",
        "-y",
        "@pipeworx/mcp-banking-regulations"
      ],
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add pipeworx-io-banking-regulations --command npx --arg -y --arg @pipeworx/mcp-banking-regulations
```

### Hermes

```yaml
mcp_servers:
  pipeworx-io-banking-regulations:
    command: "npx"
    args: ["-y", "@pipeworx/mcp-banking-regulations"]
```

### Netclaw

```json
{
  "McpServers": {
    "pipeworx-io-banking-regulations": {
      "Transport": "stdio",
      "Command": "npx",
      "Arguments": [
        "-y",
        "@pipeworx/mcp-banking-regulations"
      ]
    }
  }
}
```

### Vellum

```bash
assistant mcp add pipeworx-io-banking-regulations -t stdio -c npx -a -y @pipeworx/mcp-banking-regulations
```

### Other

```json
{
  "mcpServers": {
    "pipeworx-io-banking-regulations": {
      "command": "npx",
      "args": [
        "-y",
        "@pipeworx/mcp-banking-regulations"
      ]
    }
  }
}
```

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-05 (score 81, +1)

No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-03 (score 80, +1)

No change was recorded against any check on this day. Stability & Change Management went from 13 to 17. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 5 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-31 (score 79, +16)

- [security improvement] Malware scan: unverified → pass

### 2026-10-30 (score 63, −15)

- [security regression] Malware scan: pass → unverified
- [functional] Package version: 0.2.0 → 0.2.1

### 2026-10-29 (score 78)

First indexed and scored.

## MCP tools (2)

### `banking_regulation` (~550 tokens)

Get the full text of one banking regulation — a US Federal Reserve, OCC, FDIC, CFPB or NCUA rule codified in 12 CFR — by its citation or Regulation letter. Returns the exact regulatory wording currently in force. Answers "what does Regulation E require", "what is the Federal Reserve regulation for X", "read 12 CFR 1026.19", "the CFPB rule on X", "the OCC / FDIC regulation for X", "bank capital requirement". Forgiving input: "1026.19", "12 CFR 1026.19", "§ 217.10", "1026.19(e)" (paragraph stripped to the section), "part 1026". Fed "Regulation letters" resolve automatically: "Regulation Z" (truth in lending) -> part 1026, "Reg B" (ECOA) -> 1002, "Reg C" (HMDA) -> 1003, "Reg D" -> 204, "Reg E" (EFTA) -> 1005, "Reg O" (insider lending) -> 215, "Reg W" (affiliate transactions) -> 223, "Reg X" (RESPA) -> 1024, "Reg Y" (bank holding companies) -> 225, "Reg CC" (funds availability) -> 229, "Reg DD" (truth in savings) -> 1030, "Reg Q" / capital -> 217, plus "Volcker rule" -> 248, "CRA" -> 228, "liquidity coverage ratio" -> 249. Covers bank compliance across all of Title 12: consumer financial protection, mortgage disclosure and servicing, deposits and payments, capital and liquidity, holding-company supervision, safety and soundness. Pass a whole part or Regulation letter to get that part's section list. Example: banking_regulation({ citation: "1026.19" }) -> certain mortgage and variable-rate transactions; banking_regulation({ citation: "Regulation Z" }) -> the truth-in-lending part's section list. Keyless.

Input parameters:

- `citation` (string, required): Banking-regulation citation or Regulation letter. A section: "1026.19", "12 CFR 1026.19", "§ 217.10", "1002.9", "1026.19(e)". A Regulation letter or statute name: "Regulation Z", "Reg E", "truth in l…

### `banking_regulations_search` (~297 tokens)

Keyword search across the US banking regulations — Federal Reserve, OCC, FDIC, CFPB and NCUA rules in 12 CFR. Answers "what banking regulations cover X", "the Federal Reserve regulation about X", "find the CFPB rule for X", "which consumer financial protection rule applies to X", "the bank compliance requirement for X". Great for topics: truth in lending disclosure, mortgage origination and servicing, closing disclosures and TRID, ability to repay and qualified mortgages, electronic fund transfers and error resolution, overdraft and remittances, fair lending and adverse action notices, HMDA reporting, funds availability and check holds, deposit insurance, risk-based capital and leverage ratios, liquidity coverage, transactions with affiliates, insider lending limits, bank holding company activities, stress testing, community reinvestment. Returns matching banking rules with citation (12 CFR), heading, excerpt, and source URL. Example: banking_regulations_search({ query: "truth in lending disclosure" }); banking_regulations_search({ query: "ability to repay qualified mortgage", limit: 15 }). Keyless.

Input parameters:

- `limit` (number): Max results to return, 1-20 (default 10).
- `query` (string, required): Banking-regulation topic or phrase, e.g. "truth in lending disclosure", "ability to repay", "overdraft", "capital conservation buffer", "adverse action notice", "funds availability".

## Diagnostics

Captured diagnostic sections: Provenance, Dependencies. The full working is on the page: https://verifymcp.io/servers/pipeworx-io-banking-regulations/pipeworx-mcp-banking-regulations#diagnostics

## Score history

- 2026-11-05: 81
- 2026-11-04: 80
- 2026-11-03: 80
- 2026-11-02: 79
- 2026-11-01: 79
- 2026-10-31: 79
- 2026-10-30: 63
- 2026-10-29: 78

## Common questions

### What is the Banking Regulations MCP server?

Banking Regulations is an MCP server listed in the public MCP registry as io.github.pipeworx-io/banking-regulations. Banking Regulations MCP, US banking & consumer-finance rules (12 CFR). This page covers its npm package (@pipeworx/mcp-banking-regulations).

### Is the Banking Regulations MCP server safe to use?

Banking Regulations scores 81 out of 100 on VerifyMCP. We found no known CVEs affecting it as of 5 November 2026. It declares no install or post-install scripts. Its build provenance is signed and verified. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the Banking Regulations MCP server expose?

Banking Regulations exposes 2 tools: banking_regulation, banking_regulations_search. Their descriptions and schemas cost roughly 847 tokens of context every time the server is loaded.

### Is the Banking Regulations MCP server still maintained?

Banking Regulations is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

### What licence is the Banking Regulations MCP server under?

Banking Regulations declares the MIT licence, which is OSI-approved. That covers the source only, and says nothing about the cost of any service it calls.

### What did VerifyMCP test on the Banking Regulations MCP server?

VerifyMCP ran 16 checks on Banking Regulations, covering Malware scan, Known CVEs, Install scripts, Dependency health and 12 more. Endpoint Security and Transport & Reachability do not apply to an npm package, so they were not tested. The score does not measure everything, and the scoring documentation lists what it leaves out.

## Links

- npm package: https://www.npmjs.com/package/@pipeworx/mcp-banking-regulations
- Socket report: https://socket.dev/npm/package/@pipeworx/mcp-banking-regulations
- Repository: https://github.com/pipeworx-io/mcp-banking-regulations
- Website: https://pipeworx.io/packs/banking-regulations
- Changelog RSS feed: https://verifymcp.io/servers/pipeworx-io-banking-regulations/pipeworx-mcp-banking-regulations.xml
- Changelog JSON feed: https://verifymcp.io/servers/pipeworx-io-banking-regulations/pipeworx-mcp-banking-regulations/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/pipeworx-io-banking-regulations/pipeworx-mcp-banking-regulations.json
- HTML version of this page: https://verifymcp.io/servers/pipeworx-io-banking-regulations/pipeworx-mcp-banking-regulations