( September 30, 2026, 2:35 PM EDT) -- SAN FRANCISCO — A Ninth Circuit U.S. Court of Appeals panel affirmed a lower court’s grant of summary judgment against a pro se litigant and in favor of the bank and loan servicer that he accused of violating California’s unfair competition law (UCL) and other laws by seeking collection of a “balloon payment loan” allegedly without adequate notice, writing that the litigant did not plausibly allege entitlement to any relief....