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Today, the FTC is sending out a second round of refunds to some of the people affected by a major payday lending scheme operated by AMG Services, Inc. that used names like 500FastCash, OneClickCash, Ameriloan, UnitedCashLoans, and USFastCash, among others. If you got an online payday loan from a company linked to AMG, you might be getting a check in the mail. If you do, cash it before August 17, 2022.

AMG Refund

The FTC sued AMG for charging people way more for loans than they had originally agreed to pay and sent the first round of refunds in 2018. Now, the FTC is sending more than 690,000 refund checks totaling $152 million. Wondering if the check you got is real? Visit to verify your check. 

Here’s what to know:

  • Checks will arrive automatically. You don’t need to apply or fill out a claim form.
  • Checks expire on August 17, 2022, so don’t wait to deposit yours.
  • To verify the check is from the FTC, go to
  • For questions about your check or the refund process, call the administrator (Rust Consulting) at 1-866-730-8147, or email

And remember that the FTC will never ask you to pay money or give your account info to get a refund. So, if someone asks you for something in exchange for your AMG refund check, that’s a scam. Report it at

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The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. Your thoughts, ideas, and concerns are welcome, and we encourage comments. But keep in mind, this is a moderated blog. We review all comments before they are posted, and we won’t post comments that don’t comply with our commenting policy. We expect commenters to treat each other and the blog writers with respect.

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We don't edit comments to remove objectionable content, so please ensure that your comment contains none of the above. The comments posted on this blog become part of the public domain. To protect your privacy and the privacy of other people, please do not include personal information. Opinions in comments that appear in this blog belong to the individuals who expressed them. They do not belong to or represent views of the Federal Trade Commission.

Irma cobarrubias
June 13, 2022

Ok in yr letter for the second round of refund you state I received one before.i
Did not get the frist one

Michael Daum
June 22, 2022

In reply to by Irma cobarrubias

I got a second one but not a first one as well.

Monica Johnson
July 19, 2022

In reply to by Irma cobarrubias

I never received a first check, what do I need to do?

Monica Johnson
July 19, 2022

In reply to by Irma cobarrubias

I never received a first check, what do I need to do?

s sullivan
June 22, 2022

I received a letter advising this is the second payment regarding the payday lending scheme. I did not receive the first check. How can I get more information regarding the first payment?

Stephanie houston
July 19, 2022

I got the second also but not the first need more info on this