Mandatory arbitration clauses that allow a lender to go to court to resolve a dispute while preventing the borrower from doing so are unenforceable, the Superior Court of Pennsylvania has ruled. The Oct. 24 ruling in Lytle v. CitiFinancial Services will force Citi to return to court to prove that the type of “one-sided” agreement that the court found “unconscionable and unenforceable” is necessary for business reasons.