Exhibit 16.1
[Letterhead of Deloitte & Touche LLP]
October 30, 2026
Securities and Exchange Commission
100 F Street, N.E.
Washington, D.C. 20549-7561
Dear Sirs/Madams:
We have read Item 4.01 of Citizen Financial Group, Inc.’s Form 8-K dated October 30, 2026 and have the following comments:
| 1. | We agree with the statements made in paragraphs 2 through 4 within Item 4.01(a) for which we have a basis on which to comment on, and we agree with the disclosures. |
| 2. | We have no basis to agree or disagree with other statements of the registrant contained therein. |
| Yours truly, |
| /s/ Deloitte & Touche LLP |