Good morning, and happy Friday. Both chambers of Congress will convene for procedural pro forma sessions today, with no votes expected. There is no action slated in the Legislature. Here’s what’s happening in the world of credit unions:

 The U.S. Treasury Department’s CDFI Fund opened the 2018 fiscal year funding round for the CDFI Program and Native American CDFI Assistance Program – The Point

 The Association’s February webinars kicked off yesterday. As a reminder, the Association is providing each member credit union with complimentary access to two webinars in 2018 as a benefit of membership – NYCUA

 The CFPB has released the 2018 Home Mortgage Disclosure Act Loan Application Register Formatting Tool. The 2018 HMDA LAR Formatting Tool should be used for data collected in 2018 and reported in 2019 – CFPB

 U.S. Sen. Orrin Hatch, the chairman of the influential Senate Finance Committee, sent a letter to NCUA questioning the credit union tax status – CU Times

 A federal appeals court handed a major victory—and a significant defeat—to the CFPB in a ruling that upheld the bureau’s structure as constitutional – CU Journal

 Equifax released an app that allows consumers to put a lock—which is not subject to the same laws and regulations as a freeze—on their credit file, and it reportedly doesn’t work – New York Times

 There have been a number of fintech ideas that failed when they were first introduced, but could conceivably excel today – American Banker

 The FBI’s deputy assistant Director at its Cyber Division said cybersecurity must be paramount for small and medium-sized business – PYMNTS

 The fundamental issue of whether the CFPB’s leadership structure is constitutional could end up before the Supreme Court – New York’s State of Mind