EXHIBIT 23.1
CONSENT OF INDEPENDENT AUDITORS
We consent to the incorporation by reference in the Registration
Statements of Citicorp (Form S-3 No. 33-59791; Form S-3-64574; Form S-3 No.
333-14917, Form S-3 No. 333-20803; Form S-3 No. 333-21143, Form S-3 No.
333-32065 and Form S-3 No. 333-83741); and of Citicorp Mortgage Securities, Inc.
(Form S-3 No. 33-66222, Form S-3 No. 33-43167 and Form S-3 No. 333-72459) of our
report dated January 27, 2000, with respect to the consolidated financial
statements of Associates First Capital Corporation for the year ended December
31, 1999, included in the Current Report of Citicorp on Form 8-K dated October
18, 2000, filed with the Securities and Exchange Commission.
/s/ ERNST & YOUNG LLP
Dallas, Texas
October 13, 2000
