Although we don't believe in timing the market or panicking over daily movements, we do like to keep an eye on market changes -- just in case they're material to our investing thesis.

After losing 264 points last week, Dow Jones Industrial Average (DJINDICES:^DJI) has gained back a large portion of that decline in trading through early afternoon Monday. As of 1:05 p.m. EST the Dow is higher by 120 points, or 0.75%. The S&P 500 is higher by 0.53% and the Nasdaq has risen 0.56%. Unfortunately, not all the Dow's 30 components are in the black today, so let's take a look at why a few have been left behind.

Wal-Mart (NYSE:WMT) is trading lower by 0.45% after the company and other national retailers won a court case against credit card companies Visa and MasterCard on Friday. A federal judge in New York approved the card companies' $6 billion settlement over to the interchange fees they had charged. But the National Retail Federation and Wal-Mart are fighting the settlement, though not for more money. The NRF and Wal-Mart want changes to laws that pertain to the "swipe" fees the card companies can charge. Their objections state that the main provision in the ruling will not be effective in regulating swipe fees, and that the government must change the laws for credit card companies like it did with debit cards in 2010 with the Dodd-Frank law rule that limits the swipe fees the card issuer can charge the retailer. This is certainly going to be a hard-fought battle and one that doesn't seem likely to end anytime soon. Investors should just sit tight.  

Two other Dow components missing today's rally are Procter & Gamble (NYSE:PG) and Johnson & Johnson (NYSE:JNJ). The two have fallen 0.80% and 0.18%, respectively, after the FDA released a proposed rule this morning that would make it more difficult for companies to make and sell anti-bacterial hand soaps. The FDA wants to require product manufacturers to prove that the soaps are more effective in preventing infection and spreading bacteria than just plain old water and soap. The agency stated that while consumers generally view these specialty products as a more effective way to prevent germs from spreading, there is no evidence that they are. Lastly, the FDA said this is part of a larger review to ensure the uses of anti-bacterial products are safe and effective.  

Investors should follow this story and see how it plays out, but they don't need to take any action at this time since this is just a proposed rule. It would take a long time for anything to actually change, thus allowing the companies to sell their inventory and not take a financial hit as a result of the changes.

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Fool contributor Matt Thalman owns shares of Johnson & Johnson. Check back Monday through Friday as Matt explains what causing the big market movers of the day, and every Saturday for a weekly recap. Follow Matt on Twitter @mthalman5513

The Motley Fool recommends Johnson & Johnson and Procter & Gamble. The Motley Fool owns shares of Johnson & Johnson. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.