Cashier Checks

We have had three large Cashier Checks that a stop payment was put on.  Two by the payer and 1 by the bank.  I have asked for the rules and limitations for the action of stop payment on a cashier check and would love to see the regulations that allowed a Lost or stolen or Damaged to be placed on 2.  This was 12 days after issue and the bank then allowed the buyer to issue another 2 and cash them right then.  The checks were received and deposited 14 days after issue and had been stopped.  Three months and no money from the bank yet and the person sending the money has passed.  The person with Power of Attorney committed this fraud and now is not being held accountable for the action.  Cashier Checks are purchased at the time of being issued and should be as good as cash.  Why would abank allow a stop payment on the grounds of LSD.  Clearly the 90 day window for lost,damaged,stolen was not met and no bond was required.  Are these checks safe to accept or is the law being ignored.