Real Estate CyberSecure
Starter Kit$149
Professional$249
Wire fraud prevention guide
Real estate wire fraud prevention policy template for brokerages
One spoofed email can redirect a buyer's down payment. Here is how brokerages put wire fraud controls in writing, and editable templates to do it.
- Plain English
- Editable Word & Excel
- Free self-assessment
Updated October 18, 2026 · Get the free self-assessment
The requirement
Why brokerages need a written wire fraud policy
The FBI's 2025 Internet Crime Report logged 12,368 real estate fraud complaints and $275.1 million in losses. Business email compromise, where a criminal impersonates someone you trust by email, cost another $3 billion across all industries. Closings are a favorite target because large wires move on tight timelines.
Most of these attacks follow the same pattern. A criminal gets into or spoofs an agent's, title company's or lender's email, then sends new wiring instructions days before closing.
A written policy breaks that pattern. It covers four things: tell clients at the start that you will never send wiring instructions by email, verify every instruction or change by phone using a number you got independently, train agents to spot red flags, and know exactly who to call if money goes to the wrong place.
A written policy also helps when a client or insurer asks what your brokerage does to prevent wire fraud. If you are in Florida, the Florida Information Protection Act (§501.171) separately requires reasonable measures to protect personal information.
Requirement by requirement
Where each requirement is covered in the Real Estate CyberSecure kit
Every document is editable Word or Excel. Items marked Pro are in the Professional Edition only.
| Requirement | What it means for you | Kit documents |
|---|---|---|
| Wire fraud policy | Firm-wide rules for how wiring instructions are given, checked and changed. |
|
| Early client warning | Tell buyers and sellers up front how you will and won't communicate. |
|
| Call-back verification | Verify every instruction or change using an independently found number. |
|
| Email security and MFA | Make agent email accounts harder to take over. |
|
| Agent training | Teach agents the red flags of a spoofed closing email. |
|
| Transaction platform security | Vet the e-sign, CRM and transaction platforms you use. |
|
| Response when money is misdirected | Who calls the bank, the FBI and the client, and when. |
|
| Records retention | Keep and dispose of transaction files securely. |
|
| Practice it | Run a closing-day wire fraud tabletop. |
|
See a sample page
What the Wire Fraud & Closing Funds Protection Policy looks like
Plain-language templates with bracketed fields for your details, policy IDs that stay the same when you upgrade, and a footer reminding you to customize before use.
- Download right after checkout
- Edit in Microsoft Word, Google Docs or any word processor
- One-time price: Starter $149 · Professional $249
What's inside
Every file in each edition
Policy numbers carry over from the Starter Kit to the Professional Edition, so you can start small and upgrade without renumbering.
Starter Kit
$14923 editable files
Policies 15
- RE-CYB-001Information Security Policy
- RE-CYB-002Cybersecurity Roles & Responsibilities Policy
- RE-CYB-003Risk Management Policy
- RE-CYB-004Password & Authentication Policy
- RE-CYB-005Access Control Policy
- RE-CYB-006Multi-Factor Authentication Policy
- RE-CYB-007Acceptable Use Policy
- RE-CYB-008Security Awareness & Training Policy
- RE-CYB-009Email & Phishing Security Policy
- RE-CYB-010Endpoint Security Policy
- RE-CYB-011Mobile & Remote Work Policy
- RE-CYB-012Data Protection & Encryption Policy
- RE-CYB-013Backup & Recovery Policy
- RE-CYB-014Incident Response Policy
- RE-CYB-015Business Continuity & Disaster Recovery Policy
Plans, guides & assessments 7
- WordImplementation Guide
- WordAgent & Staff Cybersecurity Guide
- WordIncident Response Plan
- WordClient Wire Fraud Advisory
- Word30-60-90 Day Action Plan
- Word50-Point Cybersecurity Checklist
- WordCybersecurity Maturity Assessment
Workbook 1
- ExcelReal Estate CyberSecure Toolkit
Professional Edition
$24941 editable files
Policies 21
- RE-CYB-001Information Security Policy
- RE-CYB-002Cybersecurity Roles & Responsibilities Policy
- RE-CYB-003Risk Management Policy
- RE-CYB-004Password & Authentication Policy
- RE-CYB-005Access Control Policy
- RE-CYB-006Multi-Factor Authentication Policy
- RE-CYB-007Acceptable Use Policy
- RE-CYB-008Security Awareness & Training Policy
- RE-CYB-009Email & Phishing Security Policy
- RE-CYB-010Endpoint Security Policy
- RE-CYB-011Mobile & Remote Work Policy
- RE-CYB-012Data Protection & Encryption Policy
- RE-CYB-013Backup & Recovery Policy
- RE-CYB-014Incident Response Policy
- RE-CYB-015Business Continuity & Disaster Recovery Policy
- RE-CYB-016Vendor, Cloud & Transaction Platform Security Policy
- RE-CYB-017Generative AI Acceptable Use Policy
- RE-CYB-018Vulnerability & Patch Management Policy
- RE-CYB-019Transaction Records Retention & Disposal Policy
- RE-CYB-020Wire Fraud & Closing Funds Protection Policy
- RE-CYB-021AI Governance Policy
Plans, guides & assessments 9
- WordProfessional Edition Implementation Guide
- WordIncident Response Plan & Playbooks
- WordTabletop Exercise Kit
- Word30-60-90 Day Action Plan
- WordAgent & Staff Cybersecurity Quick Guide
- WordClient Wire Fraud Advisory
- Word50-Point Cybersecurity Checklist
- WordCybersecurity Maturity Assessment
- Word50-Question Real Estate Cybersecurity Self-Assessment
Forms & templates 10
- FORM-01Wire Instructions & Payment Change Verification Form
- FORM-02Access Request Form
- FORM-03Agent & Staff Offboarding Checklist
- FORM-04Software & SaaS Request Form
- FORM-05Security Exception Request
- FORM-06Incident Intake Form
- FORM-07Vendor Security Questionnaire
- FORM-08Policy Acknowledgment Form
- FORM-09Breach Notification Evaluation Worksheet
- FORM-10Management Review Record
Workbook 1
- ExcelReal Estate CyberSecure Professional Toolkit
Questions
Frequently asked questions
What should we do if a client wires money to a scammer?
Call the sending bank immediately to request a recall, file a complaint at ic3.gov, alert the title or closing company and follow your incident response plan. The first hours matter most.
Is a wire fraud policy legally required for brokerages?
No single federal rule requires one, but it is a widely recommended practice. State law, such as Florida's §501.171, requires reasonable measures to protect personal information.
Which edition includes the wire fraud policy?
The Professional Edition includes the Wire Fraud & Closing Funds Protection Policy and the verification form. Both editions include the Client Wire Fraud Advisory.
Can we brand the client advisory?
Yes. Every file is editable Word, so you can add your logo and contact details.
Is this legal advice?
No. These are editable templates and education. Have your broker's attorney review client-facing documents.
Free download
Free Real Estate cybersecurity self-assessment
Answer 50 yes / no / not sure questions across 10 areas. Score your results and get clear next steps for your industry.
- Small Business, Law Office, Real Estate, Healthcare, Accounting & Tax, Insurance Agency, Financial Advisor, Auto Dealer, Mortgage & Title, and Cyber Insurance Readiness editions
- Starred priority questions and a scoring table
- Printable PDF
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Ready to put it in writing?
Get the Real Estate CyberSecure kit
Start with the Starter Kit or get every policy, form and workbook in the Professional Edition. Policy numbers carry over if you upgrade.
See the full Real Estate CyberSecure pageSources
- HousingWire: FBI cybercrime losses, real estate fraud hits $275M
- FBI Internet Crime Complaint Center (IC3)
- Florida Statutes § 501.171, Security of confidential personal information
This guide is plain-English education, current as of October 18, 2026. It is not legal advice, an audit or a compliance determination, and Cybriva is not affiliated with any regulator or standards body named here. Rules change and vary by state; confirm how they apply to you with your attorney or compliance advisor.