Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add JoelLewis/finance_skills --skill know-your-customergit clone --depth 1 https://github.com/JoelLewis/finance_skillsWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/joellewis/finance_skills/know-your-customer)<a href="https://agentmods.dev/skills/joellewis/finance_skills/know-your-customer"><img src="https://agentmods.dev/badge/skills/joellewis/finance_skills/know-your-customer/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/joellewis/finance_skills/know-your-customer"><img src="https://agentmods.dev/badge/skills/joellewis/finance_skills/know-your-customer.svg" alt="Reviewed on agentmods" width="80" height="20"></a>- Socket pass
- Snyk pass
- NVIDIA SkillSpector pass
What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00168 | $0.02740 |
| Opus 5 | $0.00084 | $0.01370 |
| Sonnet 5 | $0.00034 | $0.00548 |
| Haiku 4.5 | $0.00017 | $0.00274 |
Grade A, and why
know-your-customer scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 11d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 108 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Know Your Customer
Regulatory status current as of June 2026 — verify effective dates, dollar thresholds, and pending rulemakings against current SEC/FINRA/FinCEN sources before advising.
Core Concepts
FINRA Rule 2090 — Know Your Customer
Every FINRA member must use reasonable diligence, with regard to the opening and maintenance of every account, to know and retain the essential facts concerning every customer and concerning the authority of each person acting on behalf of the customer. "Essential facts" are those required to: (a) effectively service the account, (b) act in accordance with any special handling instructions, (c) understand the authority of each person acting on behalf of the customer, and (d) comply with applicable laws, regulations, and rules.
Customer Identification Program (CIP)
Required under USA PATRIOT Act Section 326 and implementing regulations. The broker-dealer CIP rule is 31 CFR 1023.220; the bank CIP rule is 31 CFR 1020.220. (SEC Rule 17a-8 separately requires broker-dealers to comply with BSA recordkeeping and reporting.) The CIP must include:
- Identity verification for each customer opening an account: name, date of birth (for individuals), address, and identification number (SSN for US persons; passport number/country or other government ID for non-US persons)
- Verification procedures using documentary methods (government-issued ID), non-documentary methods (credit bureau checks, public database searches, financial statement review), or a combination
- Recordkeeping — retain identifying information and verification methods for 5 years after account closure
- Comparison with government lists — check customer names against OFAC and other government terrorist/sanctions lists
- Customer notice — inform customers that information is being collected to verify identity
Customer Due Diligence (CDD) Rule
FinCEN's CDD Rule (31 CFR 1010.230, effective May 2018) requires covered financial institutions to:
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 11d ago First seen · 108 lines · 168 tokens per session scan A 1a993dfd2dcd
know-your-customer is a skill published in the GitHub repository JoelLewis/finance_skills (184 stars, last pushed 1mo ago), licensed MIT. It adds 168 tokens to every session and 2,740 once invoked, about $0.0008 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-30.
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