Good morning. Both Congress and the Legislature are off for the week. With no legislative activity scheduled, let’s get Straight to The Point:

The New York Credit Union Association’s April webinars kick-off today. This month, webinar topics will include Bank Secrecy Act risks, Regulation CC, small business lending and more – NYCUA

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

The Association is currently seeking new candidates to serve on the Young Professionals Commission. Nominations will be accepted until April 14 – NYCUA

A cybercriminal ring stole more than five million credit and debit card numbers from Saks Fifth Avenue and Lord & Taylor customers – New York Times

Hoping to increase market share, American Express is planning to cut its merchant fee more than it has in two decades – CUToday

Employers that provide digital tools and learning technologies for their workers stand to better attract and retain talent, and also improve their bottom line – CU Times

People of all ages are using emojis, but it’s a challenge for financial institutions to support the use of the cartoon code in communications – American Banker

Rising interest rates and new-vehicle prices are squeezing shoppers with shaky credit and tight budgets out of the market – Bloomberg