Good morning, and happy Friday. Both the House and Senate will hold procedural pro forma sessions today, with no agenda items of note and no votes expected. Here is what’s happening in the world of credit unions:

 The New York Credit Union Association is reminding member credit unions that the Association’s management consultants are available to assist with strategic planning – The Point

 Two New York credit unions were recently awarded Biz Kid$ Financial Education grants from the National Credit Union Foundation – The Point

 Credit unions in the Metropolitan Chapter are hosting a networking event Aug. 24 in New York City. Attending the event will be NCUA Region 1 Director Larry Blankenberger – The Point

 Hackers are increasing their use of hiding messages inside images to conceal their malicious activity – CU Times

 Nationally, 4.5 percent of mortgages were in some stage of delinquency—including foreclosure—in May of this year – CUToday

 Regulators said in a court filing that they wanted to push back the full implementation of the Labor Department’s fiduciary rule – New York Times

 Mortgage giants Fannie Mae and Freddie Mac will not modernize their controversial credit scoring systems until mid-2019 at the earliest – Chicago Tribune

 Assemblyman Brian Kavanagh, D-Metropolitan, announced he will seek the state Senate seat being vacated today by Sen. Daniel Squadron – Times Union

 Rather than being outraged at the allegedly exorbitant legal fees paid by NCUA, bank lobbyists should be outraged that their regulators didn’t come up with the idea of taking similar actions on behalf of community banks – New York’s State of Mind