"There is no reason to believe we cannot do that again with these new rules, " Horner said.

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In other words, the U.S. subsidiaries of traditionally foreign companies would have to live with these new rules too.

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Perhaps, Girardi mused, he could come up with new rules to prevent situations like these.

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These increased expectations are coupled with a push by the Justice Department to add new rules requiring financial institutions to increase due diligence.

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Before these new rules, most banks automatically added courtesy overdraft protection to checking accounts with details and fees in the fine print.

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First, these 1099-Bs are coming very late this year, as brokerage firms are struggling with the new rules.

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