Good morning. There is no legislative or regulatory action scheduled for today. Here is what’s happening on this Thursday morning:

 New York Credit Union Association President/CEO William J. Mellin attended an event Tuesday with Rep. Elise Stefanik, state Sen. Kathy Marchione and Assemblyman Dan Stec – The Point

 Attendees can learn how to embrace and harness new technologies at the Association’s Tech Forward conference, which will be held Oct. 12-13 at the Rivers Casino and Resort in Schenectady – NYCUA

 NCUA is accepting grant applications from eligible, low-income designated credit unions to support projects that reach people in underserved communities – The Point 

 NCUA board Chairman J. Mark McWatters insisted that none of the $1.1 billion in legal fees paid by the agency came from taxpayer funds – CU Times

 The National Association of State Credit Union Supervisors strongly opposes NCUA’s proposed rule on voluntary mergers – CUToday

 U.S. mortgage applications rose last week, led by an increase in refinancing activity, as home borrowing costs broadly fell – Reuters

 A bipartisan pair of senators asked the Department of Housing and Urban Development if the agency was trying to undo certain reverse mortgage protections for seniors – New York Times

 State Sen. Daniel Squadron, D-Metropolitan, is resigning his seat tomorrow, but it is unlikely to have any impact on the balance of power in the chamber – Times Union

 All the password protocols many adhere to are likely time-wasting, frustrating, counterproductive and don’t even improve security – New York’s State of Mind