This is, incidentally, a good time to bring up the fact that when Citi accidentally wired $900m to various lenders for Revlon, Inc., many recipients opted to ho

This is, incidentally, a good time to bring up the fact that when Citi accidentally wired $900m to various lenders for Revlon, Inc., many recipients opted to hold onto the money and take the matter to court. They won principally because New York law entitled them to keep the money, because it was effectively a repayment on a loan. Normally, the "hold harmless" part is true and wires are reversed, but that only happens if there isn't a very good reason (like a law that errs in your favor and a large sum of money) on the table. See: https://www.bloomberg.com/opinion/articles/2021-02-17/citi-can-t-have-its-900-million-back https://www.bloomberg.com/opinion/articles/2021-02-17/citi-c..., and the opinion directly: https://assets.bwbx.io/documents/users/iqjWHBFdfxIU/rrBrQQPB7_i8/v0 https://assets.bwbx.io/documents/users/iqjWHBFdfxIU/rrBrQQPB...