> This page is for Consumer.

> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://citi-demo.ferndocs.com/consumer/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://citi-demo.ferndocs.com/consumer/_mcp/server.

# April 15, 2026

## Rewards, lending, and an API deprecation

### What's new

* **[Rewards](/consumer/api-docs/cards/rewards)** — Show ThankYou® Points balances and let customers redeem for cash back, travel, and gift cards.
* **[Personal Loans](/consumer/api-docs/lending/personal-loans)** — Pre-qualify customers with a soft credit check and present personalized offers.
* **[Home Lending](/consumer/api-docs/lending/home-lending)** — Estimate payments, check eligibility, and track a mortgage application.

### Deprecation notice

The legacy `v1` transactions endpoint has been deprecated in favor of the enriched [Transactions API](/consumer/api-docs/accounts/transactions), which adds merchant names, categories, and pending activity.

> **Warning**
>
> The `v1` transactions endpoint will be removed in a future release. Please migrate to the [Transactions API](/consumer/api-docs/accounts/transactions) before then.