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[43] An assessment of the effect of the temporary ban on short-selling in the United States and other countries in the wake of the financial crisis showed that it had only "little impact" on the movements of stocks, with stock prices moving in the same way as they would have moved anyhow, but the ban reduced volume and liquidity.

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Since we were still short a few hundred dollars, why not cover most of the payout, and send a postdated check for the rest later on, she tells Consumerist.

As a result of these stop payment fees, the cost to the consumer of stopping payment with the consumer's account-holding institution is comparable to the NSF fee or overdraft fee that the consumer would be charged by the institution if the payment withdrawal attempt that the consumer is seeking to stop were made.

Further, as the Accompanying RFI indicates, the Bureau may, in an individual supervisory or enforcement action, assess whether a lender's failure to make such an assessment is unfair or abusive.

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The answer should be obvious but when we're caught off guard - or are seven, and in a headlock - getting there still takes a minute or two.