Good morning, happy Friday and welcome to the final Straight to The Point newsletter of 2017. As a reminder, the New York Credit Union Association and our affiliates will be closed Monday, Jan. 1, in observance of New Year’s Day. We’ll see you in 2018.

Joy Cousminer, longtime president and CEO of the former Bethex FCU in the Bronx, passed away on Christmas day – The Point

The National Federation of Community Development Credit Unions will host a complimentary webinar Jan. 25 at 2 p.m. to review the CDFI Fund grant application process – Federation

The CFPB plans to further extend the effective date of the 2016 prepaid rule to allow additional time for implementation of the final rule – CFPB

Researchers recently discovered a printer-spoofing operation and that cybercriminals have made millions of attempts to infect unsuspecting users – CUTimes

Regulatory compliance and risk-management concerns of U.S. banks and credit unions increased in 2017 by 3 percent over the prior year – CUToday

It’s believed that the largest residential mortgage servicers will get even larger in 2018, benefiting from consolidation and the outsourcing of servicing rights acquired by companies without their own platforms – National Mortgage News

The use of weak website security questions continues to plague businesses – New York Times

Andrew Cuomo said his administration will propose the state’s own tax overhaul next week when he delivers his State of the State address – Times Union