United States Court of Appeals For the Seventh Circuit ____________________ No. 22-3163 APPROVED MORTGAGE CORPORATION, Plaintiff-Appellant, v. TRUIST BANK, formerly known as SUNTRUST BANK, Defendant-Appellee. ____________________

Appeal from the United States District Court for the Southern District of Indiana, Indianapolis Division. No. 1:22-cv-00633 — Jane Magnus-Stinson, Judge. ____________________

ARGUED SEPTEMBER 20, 2023 — DECIDED JUNE 28, 2024 ____________________

Before RIPPLE, JACKSON-AKIWUMI, and LEE, Circuit Judges. RIPPLE, Circuit Judge. Before Approved Mortgage Corpora- tion (“Approved Mortgage”) could initiate two wire transfers, the instructions for the transactions were altered surrepti- tiously by a third party. Truist Bank (“Truist”), formerly known as SunTrust Bank, ultimately received the transfers, deposited the funds into an account it previously had flagged as suspicious, and then allowed the withdrawal of a hal