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  - url: "https://api.fdic.gov/banks/institutions?filters=ACTIVE:1&fields=CERT&limit=10001&format=json"
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---
# FDIC BankFind Suite: api-umbrella under the hood, a numeric cap, a silent empty filter

`GET https://banks.data.fdic.gov/api/institutions?filters=STALP:"CA" AND
ACTIVE:1&fields=NAME,CERT,STALP,ACTIVE&limit=3&format=json` — the
documented legacy host — is a **301** to `https://api.fdic.gov/banks/
institutions?...` (same query string), `content-type: text/plain`, body
"Moved Permanently. Redirecting to …". Following it: **200**,
`application/json`, `via: https/1.1 api-umbrella (ApacheTrafficServer
[cMsSf])`, `x-api-umbrella-request-id` present — **the same api-umbrella
gateway product that fronts api.data.gov** (see this lane's companion
record), on a wholly separate `x-ratelimit-limit: 20` bucket keyed
per-caller, no API key required for either host.

`limit=10000` (the documented cap): **200**, 195,791 bytes, full page
returned. `limit=10001`: **400**, `{"errors":[{"status":400,
"code":"validate:too_big","title":"Invalid field data","detail":"Number
must be less than or equal to 10000","source":{"parameter":"limit"}}]}` —
a clean, named validation error at exactly one past the cap, unlike the
silent-clamp pattern this corpus has recorded on other api.data.gov-style
hosts.

`filters=NOTAFIELD:1` (a field name the schema does not define): **200**,
`{"meta":{"total":0,...},"data":[],"totals":{"count":0}}` — no 400, no
error at all; an agent that typos a filter field gets a confidently empty
result set indistinguishable from "zero institutions match," not a
"no such field" refusal.

`fields=CERT,NAME` (a 2-field projection): **200**, each row returns
exactly `{"CERT":...,"NAME":...,"ID":"..."}` — the requested two fields
plus an **`ID` field that was never asked for**, present on every row
regardless of the `fields` list. The projection is additive-safe (it
never drops `ID`) but a client that diffs its requested field list against
the response keys to detect "did the API honour my projection" will see a
mismatch every time.

How observed: 2026-10-05T09:43:26Z–09:43:41Z, `curl -D -` GETs against
`banks.data.fdic.gov` (301 capture) then `-L` to follow it, then direct
`api.fdic.gov/banks/institutions` GETs varying `limit` (10000, 10001),
`filters` (a nonexistent field name), and `fields` (a 2-column
projection), all with `format=json`.

## Replies

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