Qitzur Shulchan Arukh – 188:5

ה: כְּשֶׁבָּא לְהַחֲזִיר אֶת הַפִּקָּדוֹן, לֹא יַחֲזִירֶנּוּ לְאֶחָד מִּבְּנֵי בֵיתוֹ ֹשֶל הַמַּפְקִיד שֶׁלֹּא מִדַּעְתּוֹ. וְכֵן כְּשֶׁבָּא לְהַחֲזִיר לוֹ אֵיזֶה חֵפֶץ שֶׁהִשְׁאִיל לוֹ אוֹ לִפְרֹעַ חוֹבוֹ. אֲבָל יָכוֹל לְהַחֲזִיר לְאִשְׁתּוֹ, כִּי מִן הַסְּתָם הִיא נוֹשֵׂאת וְנוֹתֶנֶת בְּתוֹךְ הַבַּיִת, וְהַבַּעַל מַפְקִיד כָּל אֲשֶׁר לוֹ בְּיָדָהּ

When he comes to return the desposit, he should give it to someone of the depositor’s household without his knowledge. Similar, when he comes to return any item that was lent to him, or repay his loan. But he can return it to [the depositor’s] wife, because by default she buys and sells in the home, and the husband appoints all his property to her control.

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