Wire fraud is quite a common problem. It's pretty standard practice at least where I am to require written wire instructions from the settlement agent, and then

Wire fraud is quite a common problem. It's pretty standard practice at least where I am to require written wire instructions from the settlement agent, and then the bank will call them to verify that is indeed correct before sending funds. But if an email looks official and came from an official address, I can't imagine the settlement agent wouldn't be liable for the loss. (And often they now have cyber insurance to cover such losses.) I know some title companies are moving away from wiring funds out and only issuing checks to prevent having this problem themselves.