Good morning. No votes are expected in the House or Senate today. The Legislature and governor will continue to hammer out the details for the state budget. Here’s what’s happening on this Thursday morning:

The New York Credit Union Association released the results of the 2018 Membership Survey, which included feedback from nearly 150 credit union leaders – The Point

The Young Professionals Commission is hosting a networking meet-up in Albany on April 22 prior to the state Governmental Affairs Conference – The Point

Registration is open for the New York Credit Union Association’s 2018 Collections & Bankruptcy Conference – NYCUA

A group of 43 Democratic U.S. senators are blasting Acting CFPB Director Mick Mulvaney’s backtracking on the agency’s payday lending rule – CU Times

Given the modest wage gains that have persisted during this economic expansion, it may take borrowers many years or decades to pay off educational loans – Bloomberg

There was a 10 percent increase in the number of payment cards compromised at U.S. ATMs and merchants in 2017 – CUToday

A new upstart called Lenda claims to make the fastest mortgages out there — currently two weeks start to finish, with an eventual goal of 30 minutes in a nearly all-digital process – American Banker

A crippling ransomware attack on the city of Atlanta laid bare the vulnerabilities of governments as they rely on computer networks for day-to-day operations, and it represented a serious escalation from other cyberattacks – New York Times

A recent federal appeals court decision highlighted the importance of New York’s proposed initiative to expand the fiduciary obligations of insurance providers – New York’s State of Mind