Wal-Mart is lowering the fee for its holiday layaway program. The fee to open up a layaway account now will be $5 instead of $15. The announcement follows a move by Toys-R-Us which waived its upfront service fee for layaway orders from now through October 31st.
 

Wal-Mart says its own move is not in response to Toys-R-Us, but rather, a reaction to customer feedback since announcing last month that it would bring back its layaway program for the holiday season.