In Re: Citibank August 11, 2020

21-487 In re: Citibank August 11, 2020 PARK, Circuit Judge, concurring in the judgment (amended): When people receive money by mistake, the law usually requires them to give it back. This commonsense rule allows transferors to reclaim property that rightfully belongs to them— whether misdirected funds, 1 an accidental overpayment, 2 or a credit to the wrong bank account. 3 An exception to the general rule can sometimes protect a recipient who was owed the mistakenly paid money. Under this narrow equitable defense, called “discharge for value,” a creditor who receives a payment in discharge of…