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# v1.5.2

Happy New Year from the ModernFi team! See below for our latest API changes.

This release introduces **Pricing Groups** — a new resource for managing interest rates at scale across your accounts.
Instead of updating rates on individual accounts one at a time, you can now define reusable rate tier structures and assign them to multiple accounts.
When a group's rates change, all assigned accounts are updated automatically.

## New Endpoints

* **`GET /v1/pricing-groups`** — List all pricing groups for your institution, including account counts and current rate tiers.
* **`POST /v1/pricing-groups`** — Create a new pricing group with rate tiers. Optionally assign accounts at creation time.
* **`GET /v1/pricing-groups/{pricing_group_id}`** — Retrieve details for a specific pricing group.
* **`PATCH /v1/pricing-groups/{pricing_group_id}`** — Update pricing group name and description. Does not affect rates or account assignments.
* **`DELETE /v1/pricing-groups/{pricing_group_id}`** — Delete a pricing group. Fails if accounts are still assigned — unassign them first.
* **`PUT /v1/pricing-groups/{pricing_group_id}/rates`** — Replace rate tiers for a pricing group. New rates cascade to all assigned accounts on the specified effective date, while preserving historical rate data.
* **`POST /v1/pricing-groups/{pricing_group_id}/accounts`** — Assign accounts to a pricing group. Accounts already in another group will be reassigned.
* **`DELETE /v1/pricing-groups/{pricing_group_id}/accounts`** — Unassign accounts from a pricing group. They retain their current rates but no longer receive automatic updates when the group's rates change.

## Updated Endpoints

* **`POST /v1/accounts`** (Create Account)
  * Added `pricing_group_id` (uuid, optional) — assign the account to a pricing group at creation. The group's rate structure will be applied automatically.

## Schema Changes

* **`AccountResponse`**
  * Added `pricing_group_id` (string, nullable) — the pricing group this account belongs to, if any

* **New schemas:** `PricingGroupResponse`, `PricingGroupRateTierRequest`, `PricingGroupRateTierResponse`, `CreatePricingGroupRequest`, `UpdatePricingGroupMetadataRequest`, `UpdatePricingGroupRatesRequest`, `AssignAccountsToPricingGroupRequest`, `UnassignAccountsRequest`, `AccountData`