As a reminder, the New York Credit Union Association’s member relations team is once again offering budgeting assistance to member credit unions– The Point

 The Federal Financial Institutions Examination Council members issued a joint statement alerting financial institutions to recent actions taken by the Treasury’s Office of Foreign Asset Control, and the potential impact it may have on financial institutions’ risk-management programs – The Point

 Filene Research Institute will host a complimentary webinar at 3 p.m. today that will explore Employer-Sponsored Small-Dollar Loan Programs – The Point

Energizing credit union digital marketing and sales strategies—such as through a streamlined mobile account opening experience for both current and potential members—can lead to a more successful overall program – CU Times

The overall delinquency rate on U.S. commercial real estate loans ticked up ever so slightly in October, bringing an end to six straight months of declines – CUToday

CUNA will host a post-election webinar this Thursday to give a comprehensive breakdown on how the election results will shape federal advocacy efforts going forward – CUNA

U.S. cybersecurity experts are bracing for possible attempts from adversaries to attack the midterm elections and cast doubts on the integrity of the vote – Bloomberg

 If one looks at the actual financial lives of average middle-income families—their incomes, spending, assets and debt—and how much shifts since Election Day in 2016 would have been likely to affect them, their economic outlook is mixed – New York Times

The blog discusses four legal pitfalls to avoid this holiday season, including the rules of governing religious discrimination and appropriate time-off policies – New York’s State of Mind