There are, the institutions like things the way they are, they make millions on the interest float.
Years ago I was told to review an applications performance, it ran on the same hardware that the application we supported did. The new applications purpose was to ensure as much float could be gained by managing when deposits were put in. Our VP had agreed to this, but the new application was only to use "discretionary" cycles. I informed the VP this new applications was using over 65% of all cycles on the machine(not exactly discretionary).
He asked if I could make it just use cycles that our application didn't require, that's easy I told him and made the configuration changes to support his directive.
The next morning I was called by the VP that was responsible for the new application, he told me that by making their application run slower they had lost over 250K in float that night. I explained who my VP was and maybe they should talk. Within two weeks there was a new server on the floor to support the new application. This was 1 night on a small financial organization, imagine on all financial services organizations.
Point is they all follow SEC regulations, as long as I mailed you the check within 72 hours, I'm in compliance. The rest of the time the monies in the mail, or in the mail room and someone's collecting interest.
MRG