Educational only, not tax, legal, or financial advice. Rules vary by broker and situation — verify specifics with your broker or a professional.

A locate is a broker’s confirmation that shares are available to borrow before you short-sell them — a regulatory requirement to prevent “naked” shorting (selling shares you can’t actually deliver). It’s a short seller’s prerequisite.

What it is

Under short-sale rules, before you short a stock your broker must “locate” borrowable shares — confirming they can be delivered to the buyer. For liquid stocks this is instant and invisible. For hard-to-borrow names, locates can be limited and expensive, sometimes unavailable — which is why you sometimes “can’t short” a hot stock.

Why it matters

The locate requirement prevents the market abuse of selling phantom shares, and it’s why shorting scarce stocks is hard and costly. It interacts with short-sale restrictions and borrow fees. For options traders, locate/borrow issues can distort put pricing and drive early exercise on HTB names.

A locate is permission to short — proof the shares exist to borrow. Easy for liquid stocks, a real obstacle for the scarce ones everyone wants to short.

What it means for a scalper

Trading SPY options, you never deal with locates — buying calls/puts doesn’t require borrowing shares, and SPY is trivially liquid anyway. Locates matter for stock short sellers and options on hard-to-borrow single stocks. It’s useful market-structure literacy, not a SPY scalping concern.