The Federal Trade Commission is sending money back to consumers in cases involving everything from deceptive credit repair services to rental fees and unwanted purchases. Some payments arrive automatically, meaning a check or electronic deposit could show up even if you have not recently filed a claim. Other FTC refunds require consumers to meet specific eligibility rules or respond before a deadline. With millions of dollars moving back into consumers’ hands, it is worth knowing what a legitimate payment looks like and whether you might qualify.