Good morning, happy Friday. No votes are expected in the House or Senate today. No hearings of note are slated at the state level. Here’s what’s happening this morning:

 The NCUA board of directors yesterday held their monthly board meeting, at which the board approved final rules on emergency mergers and parts of the agency’s reorganization plan – The Point

 The state Department of Financial Services issued guidance for mortgage servicers, reminding them about their obligations under the state’s Vacant and Abandoned Property Law – The Point

 Young credit union professionals and volunteers are encouraged to learn more about the credit union movement and get involved with the statewide YP Network – The Point

 Accessibility issues surrounding credit unions’ websites continue to result in federal lawsuits – CU Times

 Mortgage delinquencies decreased in September to their lowest levels in more than a decade – HousingWire

 Warning that state debt is projected to reach $63.7 billion by the end of the fiscal year, state Comptroller Tom DiNapoli on Thursday re-upped a series of borrowing reform proposals – Times Union

 Nearly half of Americans use some type of digital voice assistant – Pew Research Center

 Those who don’t carry credit cards primarily come from lower-income households or—unsurprisingly—have low credit scores, according to new research – CUToday

 Europe’s data protection laws may apply to some U.S. credit unions – New York’s State of Mind