{ "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-09", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "tool": { "slug": "fred", "name": "FRED API", "vendor": "Federal Reserve Bank of St. Louis", "vendorUrl": "https://www.stlouisfed.org", "kind": "http-api", "category": "data-providers", "summary": "REST API from the Federal Reserve Bank of St. Louis for FRED, its database of more than 800,000 economic time series. Version 1 returns series, releases, categories and observations, and version 2 returns every series on a release in bulk.", "url": "https://www.anchorterminal.com/tools/fred", "markdownUrl": "https://www.anchorterminal.com/tools/fred.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/fred.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/fred.json", "license": "Proprietary service under the FRED Services Terms of Use. Some data series are third-party copyright", "transports": [ "http" ], "remoteUrl": "https://api.stlouisfed.org", "packages": [], "auth": "api-key", "authNotes": "Self-serve key. A person signs in to a free FRED account at fredaccount.stlouisfed.org and requests a 32-character key, one for each application. Version 1 takes it as the `api_key` query parameter, the only method its docs give. Version 2 takes it as `Authorization: Bearer`. Keys have no scopes, and the API is read-only. The separate FRED MCP Connector needs no API key and signs users in with OAuth on its own account.", "pricing": "free", "pricingNotes": "Free. No paid tier and no card. The cost is the rate limit, 120 requests a minute on version 1 and two a second on version 2, with higher limits by contacting the Bank (https://fred.stlouisfed.org/docs/api/fred/errors.html, checked 2026-10-09).", "priceSummary": "Free", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the API documentation or the terms (checked 2026-10-09).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-09" }, "docsUrl": "https://fred.stlouisfed.org/docs/api/fred/", "capabilities": [ "data.markets", "market.indices" ], "tags": [ "hosted", "free", "no-card", "api-key", "official", "closed-source", "mcp", "read-only-mode" ], "lastRelease": "2025-11-04", "graded": true, "anchor": { "graded": true, "score": 42.7, "grade": "E", "agentReady": false, "rank": 789, "ranked": true, "rankOf": 842, "categoryRank": 7, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 68, "maintenance": 15, "payments": 40, "reliability": 38, "schema": 43, "security": 35, "transparency": 53 }, "pending": [ "performance", "tasks" ], "breakdown": [ { "key": "reliability", "name": "Reliability", "weight": 16, "effectiveWeight": 20, "score": 38, "points": 7.6, "reason": "Graded as a hosted API. No status page was found in the API docs, the FRED footer or the help pages (0), so there is no incident history to read (5). Rate limits are published, 120 requests a minute on version 1 and two a second on version 2 (15). The errors pages document 429 and warn of a temporary block, with no Retry-After header or backoff guidance. Every request is a read (8 of 15). No SLA, and the terms disclaim availability (0). Both versions are published without a beta label (10). 0 + 5 + 15 + 8 + 0 + 10 = 38." }, { "key": "performance", "name": "Performance", "weight": 10, "effectiveWeight": 0, "pending": true, "points": 0, "reason": "Pending. Latency is measured per call by our probes, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until the first probe window closes." }, { "key": "schema", "name": "Schema \u0026 documentation", "weight": 13, "effectiveWeight": 16.25, "score": 43, "points": 6.99, "reason": "No OpenAPI or other machine-readable contract was found in the docs (0). fred.stlouisfed.org/llms.txt returns 404 (0). Each of the 31 version 1 requests has a description and a parameter list, and real-time periods have their own page, with little on when to choose one request over another (12 of 20). Parameters state type, range, default and allowed values in prose, such as nine `units` values and `limit` between 1 and 100,000 (12 of 15). Each page shows example requests and responses in XML and JSON, and the errors pages list status codes with sample bodies (12 of 15). Version 2 has its own path and a dated launch note, version 1 has no version in its path, and there is no API changelog (7 of 15). Total 43." }, { "key": "ergonomics", "name": "Agent ergonomics", "weight": 13, "effectiveWeight": 16.25, "score": 68, "points": 11.05, "reason": "`limit`, `observation_start`, `observation_end`, frequency aggregation and `units` size an observations response, with no field selection and defaults of 100,000 and 500,000 observations (15 of 25). `limit` and `offset`, cursor paging on version 2, `order_by`, `filter_variable` and tag filters (18 of 20). Errors carry a status code and a message naming the failing variable, in a short list of codes (13 of 20). All requests are GETs and safe to retry (15 of 20). An observations call needs only `series_id` and the key, but version 1 answers in XML unless `file_type=json` is set, and no official SDK was found (7 of 15). Total 68." }, { "key": "security", "name": "Security \u0026 auth", "weight": 14, "effectiveWeight": 17.5, "score": 35, "points": 6.13, "reason": "One 32-character key for each application, with no scopes. Version 1 documents the `api_key` query parameter as its only method, so the secret travels in the URL, and version 2 moves it to a bearer header. Key deletion or rotation sits behind the account login and was not seen (20 less 10, 10 of 30). The API is read-only (15 of 20). Responses are curated statistics with series notes written by FRED or its sources (10 of 15). No request log or usage view was found (0 of 15). security.txt returns 404 on fred.stlouisfed.org and api.stlouisfed.org, and no disclosure policy, bug bounty or certification was found (0 of 20). Total 35." }, { "key": "payments", "name": "Payments \u0026 pricing", "weight": 10, "effectiveWeight": 12.5, "score": 40, "points": 5, "reason": "No x402, MPP or L402 (0). Free, stated publicly, with nothing to buy (20). No card (20). A person has to create a FRED account and request the key in a browser (0). Total 40." }, { "key": "tasks", "name": "Task success", "weight": 10, "effectiveWeight": 0, "pending": true, "points": 0, "note": "data quality 79, half of this category once the task suite runs", "reason": "Pending. Task success needs the category task suites run through each tool, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until then. A data provider's data-quality score is published on its listing now and becomes half of this category when it's scored." }, { "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7, "effectiveWeight": 8.75, "score": 15, "points": 1.31, "reason": "The last dated API change found is the version 2 launch on 4 November 2025, 339 days before the check (0 of 30). The FRED News feed carries eight posts in the last 90 days, four of them data additions and none an API change, so half credit (10 of 20). A public news feed and a contact form, with no developer forum or issue tracker found (5 of 15). No official SDK (0 of 15). No package to judge (0 of 10). The official MCP connector is recent but its launch date was not found, so it earns nothing here. Total 15." }, { "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7, "effectiveWeight": 8.75, "score": 53, "points": 4.64, "note": "editorial 37, provenance 69", "reason": "Closed service with published terms. Two documents carry API terms and differ. The page the API docs link lacks the clauses on AI training, caching and wholesale downloading that the FRED Services Terms of Use add, and neither is dated (12 of 30). The Online Privacy Notice covers accounts and says personal information is not sold or rented, with no retention period for API or account data. The MCP addendum states 90 days for logs (15 of 30). No deprecation policy. The terms let the Bank change or discontinue the API at any time, and version 2 arrived with a dated notice (2 of 20). Google Analytics, Microsoft Clarity and YouTube are named, other contractors only by type, with no data locations (8 of 20). Total 37." } ], "assessment": { "date": "2026-10-09", "basis": "public evidence", "confidence": "medium", "notes": { "ergonomics": "`limit`, `observation_start`, `observation_end`, frequency aggregation and `units` size an observations response, with no field selection and defaults of 100,000 and 500,000 observations (15 of 25). `limit` and `offset`, cursor paging on version 2, `order_by`, `filter_variable` and tag filters (18 of 20). Errors carry a status code and a message naming the failing variable, in a short list of codes (13 of 20). All requests are GETs and safe to retry (15 of 20). An observations call needs only `series_id` and the key, but version 1 answers in XML unless `file_type=json` is set, and no official SDK was found (7 of 15). Total 68.", "maintenance": "The last dated API change found is the version 2 launch on 4 November 2025, 339 days before the check (0 of 30). The FRED News feed carries eight posts in the last 90 days, four of them data additions and none an API change, so half credit (10 of 20). A public news feed and a contact form, with no developer forum or issue tracker found (5 of 15). No official SDK (0 of 15). No package to judge (0 of 10). The official MCP connector is recent but its launch date was not found, so it earns nothing here. Total 15.", "payments": "No x402, MPP or L402 (0). Free, stated publicly, with nothing to buy (20). No card (20). A person has to create a FRED account and request the key in a browser (0). Total 40.", "reliability": "Graded as a hosted API. No status page was found in the API docs, the FRED footer or the help pages (0), so there is no incident history to read (5). Rate limits are published, 120 requests a minute on version 1 and two a second on version 2 (15). The errors pages document 429 and warn of a temporary block, with no Retry-After header or backoff guidance. Every request is a read (8 of 15). No SLA, and the terms disclaim availability (0). Both versions are published without a beta label (10). 0 + 5 + 15 + 8 + 0 + 10 = 38.", "schema": "No OpenAPI or other machine-readable contract was found in the docs (0). fred.stlouisfed.org/llms.txt returns 404 (0). Each of the 31 version 1 requests has a description and a parameter list, and real-time periods have their own page, with little on when to choose one request over another (12 of 20). Parameters state type, range, default and allowed values in prose, such as nine `units` values and `limit` between 1 and 100,000 (12 of 15). Each page shows example requests and responses in XML and JSON, and the errors pages list status codes with sample bodies (12 of 15). Version 2 has its own path and a dated launch note, version 1 has no version in its path, and there is no API changelog (7 of 15). Total 43.", "security": "One 32-character key for each application, with no scopes. Version 1 documents the `api_key` query parameter as its only method, so the secret travels in the URL, and version 2 moves it to a bearer header. Key deletion or rotation sits behind the account login and was not seen (20 less 10, 10 of 30). The API is read-only (15 of 20). Responses are curated statistics with series notes written by FRED or its sources (10 of 15). No request log or usage view was found (0 of 15). security.txt returns 404 on fred.stlouisfed.org and api.stlouisfed.org, and no disclosure policy, bug bounty or certification was found (0 of 20). Total 35.", "transparency": "Closed service with published terms. Two documents carry API terms and differ. The page the API docs link lacks the clauses on AI training, caching and wholesale downloading that the FRED Services Terms of Use add, and neither is dated (12 of 30). The Online Privacy Notice covers accounts and says personal information is not sold or rented, with no retention period for API or account data. The MCP addendum states 90 days for logs (15 of 30). No deprecation policy. The terms let the Bank change or discontinue the API at any time, and version 2 arrived with a dated notice (2 of 20). Google Analytics, Microsoft Clarity and YouTube are named, other contractors only by type, with no data locations (8 of 20). Total 37." }, "sources": [ { "what": "API documentation index, versions 1 and 2", "url": "https://fred.stlouisfed.org/docs/api/fred/", "seen": "2026-10-09" }, { "what": "version 2 index", "url": "https://fred.stlouisfed.org/docs/api/fred/v2/index.html", "seen": "2026-10-09" }, { "what": "version 2 release observations reference", "url": "https://fred.stlouisfed.org/docs/api/fred/v2/release_observations.html", "seen": "2026-10-09" }, { "what": "version 2 API keys", "url": "https://fred.stlouisfed.org/docs/api/fred/v2/api_key.html", "seen": "2026-10-09" }, { "what": "version 2 errors and rate limit", "url": "https://fred.stlouisfed.org/docs/api/fred/v2/errors.html", "seen": "2026-10-09" }, { "what": "version 1 API keys", "url": "https://fred.stlouisfed.org/docs/api/api_key.html", "seen": "2026-10-09" }, { "what": "version 1 errors and rate limit", "url": "https://fred.stlouisfed.org/docs/api/fred/errors.html", "seen": "2026-10-09" }, { "what": "series observations reference", "url": "https://fred.stlouisfed.org/docs/api/fred/series_observations.html", "seen": "2026-10-09" }, { "what": "series search reference", "url": "https://fred.stlouisfed.org/docs/api/fred/series_search.html", "seen": "2026-10-09" }, { "what": "FRED API Terms of Use (docs page)", "url": "https://fred.stlouisfed.org/docs/api/terms_of_use.html", "seen": "2026-10-09" }, { "what": "FRED Services Terms of Use, with API and MCP sections", "url": "https://fred.stlouisfed.org/legal/", "seen": "2026-10-09" }, { "what": "Online Privacy Notice", "url": "https://www.stlouisfed.org/about-us/privacy-policy/online-notice", "seen": "2026-10-09" }, { "what": "MCP Connector Privacy Addendum", "url": "https://www.stlouisfed.org/about-us/privacy-policy/mcp-connector-privacy-addendum", "seen": "2026-10-09" }, { "what": "FRED MCP Connector help page", "url": "https://fred.stlouisfed.org/help/data/connecting-fred-to-ai-services/FRED-MCP-Connector", "seen": "2026-10-09" }, { "what": "MCP OAuth protected-resource metadata", "url": "https://mcp.stlouisfed.org/.well-known/oauth-protected-resource", "seen": "2026-10-09" }, { "what": "FRED News RSS feed", "url": "https://fred.stlouisfed.org/news/rss", "seen": "2026-10-09" }, { "what": "version 2 launch note, 4 November 2025", "url": "https://fred.stlouisfed.org/news/2025/11/fred-launches-new-version-of-api", "seen": "2026-10-09" }, { "what": "how FRED updates its database", "url": "https://fred.stlouisfed.org/help/data/understanding-the-data/how-does-fred-update-its-database", "seen": "2026-10-09" }, { "what": "unauthenticated version 1 request (400, JSON error body)", "url": "https://api.stlouisfed.org/fred/series?series_id=GNPCA\u0026file_type=json", "seen": "2026-10-09" }, { "what": "unauthenticated version 2 request (401)", "url": "https://api.stlouisfed.org/fred/v2/release/observations?release_id=52", "seen": "2026-10-09" }, { "what": "security.txt (404)", "url": "https://fred.stlouisfed.org/.well-known/security.txt", "seen": "2026-10-09" }, { "what": "llms.txt (404)", "url": "https://fred.stlouisfed.org/llms.txt", "seen": "2026-10-09" }, { "what": "robots.txt, crawl delay of one second, API docs allowed", "url": "https://fred.stlouisfed.org/robots.txt", "seen": "2026-10-09" }, { "what": "RDAP record for stlouisfed.org", "url": "https://rdap.org/domain/stlouisfed.org", "seen": "2026-10-09" } ], "openQuestions": [ "unchecked: key management in the FRED account (deleting or regenerating a key, any usage view), which sits behind a login", "unchecked: an authenticated call. No key was requested, so response headers on 200 and 429 (such as Retry-After) were not seen", "unchecked: the launch date of the FRED MCP Connector. Its help page carries no date and no news post about it is in the 50-item RSS feed", "unchecked: presence of the MCP connector in the official MCP registry", "The MCP connector is a separate surface with its own account, terms section and privacy addendum. It is described on this listing and not graded. It may merit its own listing", "`provenance.terms` points at the FRED Services Terms of Use, not the shorter API terms page the docs link, because only the former carries the AI training and caching clauses. Which of the two governs where they differ is not stated", "The terms forbid use of the API in connection with developing or training AI systems and forbid caching. Whether an agent's live lookups fall under the first is a legal question the documents do not settle. Recorded as a fact, with no deduction", "No status page was found by reading the docs, footer and help pages. Web search was not available to look further", "`dataQuality.historyYears` is taken from the docs' example series (GNPCA, from 1929). The deepest series in FRED was not established" ] }, "negative": 0, "verdict": "A free, read-only API to more than 800,000 economic series with revision history, documented endpoint by endpoint with typed parameters and examples. The terms forbid storing or caching FRED content and using the API to develop or train AI systems, version 1 carries the key in the URL, and no status page or OpenAPI file was found.", "bestFor": "Looking up US and international macroeconomic series, their metadata and their revision history in a live session.", "strengths": [ "Free, with no paid tier. One key per application from a free FRED account", "31 version 1 requests cover series, observations, search, releases, categories, sources and tags, each documented with typed parameters, defaults and XML and JSON examples", "Real-time periods and vintage dates return a series as it stood on a past date, from the ALFRED archive", "Observations can be transformed (nine `units` values) and aggregated to a lower frequency in the request", "Rate limits are published. 120 requests a minute on version 1 and two a second on version 2" ], "weaknesses": [ "The FRED Services Terms of Use forbid using the API to develop or train any AI or machine-learning system, and forbid storing, caching or archiving FRED content", "Version 1 takes the key only as the `api_key` query parameter, so it travels in the URL", "No OpenAPI file, llms.txt, official SDK or API changelog was found", "No status page, SLA or security.txt was found. The terms disclaim availability and allow changes without notice", "Version 1 answers in XML unless `file_type=json` is set, and default limits are 100,000 observations (version 1) and 500,000 (version 2)" ], "agentNotes": [ "Add `file_type=json` to every version 1 request. The default is XML", "Find a series with `fred/series/search?search_text=`, then read it with `fred/series/observations?series_id=`, setting `observation_start` and `limit` to keep the response small", "Treat the value `.` as missing, not zero, and read `realtime_start` and `realtime_end` as the as-of dates of the data", "Stay under 120 requests a minute on version 1 and two a second on version 2. Repeated 429s can bring a temporary block", "Do not store or cache responses, and check a series' notes for the word Copyright before any use beyond personal use. The terms forbid the first and require the second" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 42.7 } ], "editorialScores": { "ergonomics": 68, "maintenance": 15, "payments": 40, "reliability": 38, "schema": 43, "security": 35, "transparency": 37 }, "provenanceScore": 69, "dataQualityScore": 79 }, "connect": { "http": "curl \"https://api.stlouisfed.org/fred/series/observations?series_id=GNPCA\u0026api_key=$FRED_API_KEY\u0026file_type=json\"" }, "letme": { "capability": "https://letme.dev/data.markets", "tool": "https://letme.dev/fred" }, "notable": [ "Version 1 documents 31 requests under `https://api.stlouisfed.org/fred/` for categories, releases, series, sources and tags, plus four Maps API requests for regional data and shape files (https://fred.stlouisfed.org/docs/api/fred/)", "Version 2 has one request, `fred/v2/release/observations`, which returns the observations of every series on a release with cursor paging and a limit of up to 500,000 observations (https://fred.stlouisfed.org/docs/api/fred/v2/release_observations.html)", "Version 2 was announced on 4 November 2025 (https://fred.stlouisfed.org/news/2025/11/fred-launches-new-version-of-api)", "The FRED Services Terms of Use forbid using the API in connection with developing or training AI or machine-learning systems, and forbid storing, caching or archiving FRED content. The older API terms page in the docs does not carry these clauses (https://fred.stlouisfed.org/legal/)", "The Bank also runs an official read-only MCP connector at `https://mcp.stlouisfed.org` with five tools, OAuth sign-in on a separate account and no API key (https://fred.stlouisfed.org/help/data/connecting-fred-to-ai-services/FRED-MCP-Connector)", "Applications must show the notice that the product uses the FRED API but is not endorsed or certified by the Federal Reserve Bank of St. Louis (https://fred.stlouisfed.org/docs/api/terms_of_use.html)" ], "area": "web-data", "details": [ { "label": "API", "value": "Version 1 at `https://api.stlouisfed.org/fred/`, 31 GET requests returning XML (default) or JSON, with xlsx and zipped CSV on observations. Version 2 at `/fred/v2/`, one GET request returning JSON (default) or XML" }, { "label": "Coverage", "value": "More than 800,000 series from over 100 sources, per the terms page. Banking, prices, employment, population, exchange rates, GDP, interest rates, trade and US financial data" }, { "label": "Rate limits", "value": "Version 1, 120 requests a minute. Version 2, two requests a second. Then 429, and a temporary block for clients that keep going" }, { "label": "Credentials", "value": "32-character key from a free FRED account, one for each application. Query parameter `api_key` on version 1, `Authorization: Bearer` on version 2. No scopes" }, { "label": "Response size", "value": "`limit` and `offset` on version 1 (observations 1 to 100,000, search 1 to 1,000), `limit` and `next_cursor` on version 2 (1 to 500,000). `observation_start`, `observation_end`, `frequency` and `units` trim or transform observations. No field selection" }, { "label": "Revisions", "value": "`realtime_start`, `realtime_end` and `vintage_dates` return data as it stood on past dates, up to 2,000 vintage dates in a JSON or XML request" }, { "label": "Errors", "value": "HTTP status with a JSON or XML body carrying a code and a message. Version 1 lists 400, 404, 423, 429 and 500. Version 2 lists 400, 401, 404, 406, 429 and 500" }, { "label": "MCP connector", "value": "Official, hosted at `https://mcp.stlouisfed.org`, read-only, five tools (search, metadata, observations, download link, graph). OAuth with scopes `mcp:read` and `offline_access` on a separate free account. Listed in Claude's connector directory. Not graded here" }, { "label": "Terms", "value": "Non-commercial, educational and personal use by default. No storing, caching or archiving. No use in developing or training AI systems. Attribution notice required. Third-party copyright series need the owner's permission beyond personal use" } ], "provenance": { "legalEntity": "Federal Reserve Bank of St. Louis", "domain": "stlouisfed.org", "domainRegistered": "2001-03-05", "endpointOnVendorDomain": true, "terms": "https://fred.stlouisfed.org/legal/", "privacy": "https://www.stlouisfed.org/about-us/privacy-policy/online-notice", "statusPage": "", "changelog": "https://fred.stlouisfed.org/news", "securityTxt": "none", "checked": "2026-10-09", "notes": [ "The FRED Services Terms of Use name the Federal Reserve Bank of St. Louis, One Federal Reserve Bank Plaza, St. Louis, MO 63166-0442, and are governed by Missouri law.", "Two documents carry API terms. The page the API docs link (https://fred.stlouisfed.org/docs/api/terms_of_use.html) is the shorter one. The FRED Services Terms of Use at /legal/ repeat it in a section for the API and add clauses on AI training, caching and wholesale downloading, so the link here is to the fuller document. Neither carries a date.", "The privacy link is the Bank's Online Privacy Notice, which the FRED footer links and which covers user accounts. A separate addendum covers the MCP connector (https://www.stlouisfed.org/about-us/privacy-policy/mcp-connector-privacy-addendum).", "The API answers at api.stlouisfed.org and the MCP connector at mcp.stlouisfed.org, both on the Bank's domain.", "fred.stlouisfed.org/.well-known/security.txt and api.stlouisfed.org/.well-known/security.txt return 404, and www.stlouisfed.org redirects the same path to its 404 page.", "No status page was found in the API docs, the FRED footer or the help pages.", "The changelog link is the FRED News feed, which carries product updates and data additions. No changelog for the API itself was found.", "RDAP for stlouisfed.org gives a registration date of 2001-03-05 and GoDaddy.com, LLC as registrar." ], "score": 69, "checks": [ { "check": "Legal entity named", "value": "Federal Reserve Bank of St. Louis", "points": 20, "max": 20, "state": "ok" }, { "check": "Domain age", "value": "stlouisfed.org, registered 2001-03-05 (25 years)", "points": 15, "max": 15, "state": "ok" }, { "check": "Endpoint on the vendor's domain", "value": "api.stlouisfed.org", "points": 15, "max": 15, "state": "ok" }, { "check": "Terms of service", "value": "read, states 5 of the 7 things a reader expects, and has 3 clauses that cost points", "points": 2.3, "max": 10, "state": "part" }, { "check": "Privacy policy", "value": "read, states 4 of the 8 things a reader expects", "points": 7, "max": 10, "state": "part" }, { "check": "Status page", "value": "not found", "points": 0, "max": 10, "state": "no" }, { "check": "Changelog", "value": "published", "points": 10, "max": 10, "state": "ok" }, { "check": "security.txt", "value": "not found", "points": 0, "max": 10, "state": "no" } ], "policies": [ { "kind": "terms", "url": "https://fred.stlouisfed.org/legal/", "state": "read", "readAt": "2026-10-08", "words": 12719, "points": 2.3, "max": 10, "expected": [ { "key": "terms.date", "label": "Gives the date it was last updated", "found": false }, { "key": "terms.law", "label": "Names the governing law or courts", "found": true, "quote": "The Terms of Use and the relationship between you and the Bank shall be governed by the laws of the State of Missouri without regard to its conflict of law provisions or the United Nations Conventions for the International Sale of Goods.", "says": "The law of the State of Missouri" }, { "key": "terms.liability", "label": "States a limit on its liability", "found": true, "quote": "THE BANK SHALL NOT, UNDER ANY CIRCUMSTANCES, BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES 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