Davis

MEMORANDUM *

Defendant-creditor First Security Bank (“FSB”) appeals the bankruptcy appellate panel’s (“BAP”) decision affirming summary judgment for the plaintiff trustee, voiding a preferential pre-petition transfer from debtor Telsave Corporation (“Tel-save”) to FSB. 28 U.S.C. § 158 (d). We affirm.

We review de novo the bankruptcy court’s rulings on appeal from the BAP. Ganis Credit Corp. v. Karl T. Anderson (In re Jan Weilert RV, Inc.) 315 F.3d 1192, 1196 (9th Cir.2003). Findings of fact are reviewed for clear error. Id. at 1196 . Bankruptcy court conclusions of law and summary judgment orders are reviewed de novo. Paulman v. Gateway Venture Partners III, LP (In re Filtercorp, Inc.), 163 F.3d 570, 578 (9th Cir.1998).

FSB’s three arguments fail to save the preferential transfer from being voided by the bankruptcy estate. FSB’s unjust enrichment argument fails because in neither appeal did it discuss the elements of an unjust enrichment claim, cite any legal authority in support of its assertion that the bankruptcy estate will be unjustly enriched, or make any arguments going beyond bald conclusions.

FSB’s ordinary course of business defense ( 11 U.S.C. § 547 (c)(2)) argument…