Handle missing UserID / Bearer Token values without throwing an error for unit testing purposes
no_creds_available(
user_id = Sys.getenv("FFIEC_USER_ID"),
bearer_token = Sys.getenv("FFIEC_BEARER_TOKEN")
)(Logical) FALSE if a valid user_id and bearer_token are
available; otherwise TRUE.
(String) The UserID for authenticating against the FFIEC API
(String) The Bearer Token for authenticating against the FFIEC API
Intended for internal use.