> 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.

# Statements & Documents

### Overview

The Statements & Documents API lets customers find and download their account documents — monthly statements, year-end tax forms, and notices — right inside your app. Documents are returned as secure, time-limited download links so nothing sensitive is stored in your systems.

---

### What you can do

**Show a document center** — List every available statement and form for an account.

**Enable self-service downloads** — Give customers instant access to PDFs without a call to support.

**Surface tax documents** — Highlight year-end forms like 1099-INT when they become available.

---

### List documents

#### Authenticate

Obtain an access token with the `accounts:read` scope.

#### Request documents

Call the endpoint with the `accountRef` to list available documents, optionally filtered by type or year.

#### Fetch a download link

Request a secure, expiring URL for the specific document the customer selects.

```json
{
  "accountRef": "acct_884201",
  "documents": [
    {
      "id": "doc_2026_03",
      "type": "STATEMENT",
      "period": "2026-03",
      "format": "PDF",
      "availableOn": "2026-04-02"
    },
    {
      "id": "doc_1099int_2025",
      "type": "TAX_1099INT",
      "period": "2025",
      "format": "PDF",
      "availableOn": "2026-01-31"
    }
  ]
}
```

> **Info**
>
> Download links are single-use and expire after a few minutes. Generate the link only when the customer taps to open or save the document.

---

### Document types

| Type          | Description                     |
| ------------- | ------------------------------- |
| `STATEMENT`   | Monthly account statement       |
| `TAX_1099INT` | Year-end interest income form   |
| `NOTICE`      | Account notices and disclosures |

---

### Availability

> **Warning**
>
> Monthly statements are typically available within two business days of the statement close date. Tax forms are available by January 31 for the prior year.

---

### Security requirements

Requests require an OAuth 2.0 access token with the `accounts:read` scope. See the [Authentication guide](/consumer/api-docs/get-started/authentication).