It would seem very late for a nest, but American Goldfinches do nest later than most birds. And this bird could be contemplating a second clutch. In any case, Craig Tooley watched this goldfinch working on her nest.
It's just a glimpse, for sure, but a sweet photo to see. Thanks to Craig for allowing me to share it with you here. To see much more of Craig's nature photography, here is his website: http://www.ruffimage.com
Foggy at the beaches, sunny just a bit inland, mild weather with gentle breezes - nice!