Repentance is the act of turning from and forsaking sin. Read Mark 1:15; Luke 13:3; Acts 3:19.
Regeneration is an act of God performed in the justified heart whereby new, spiritual life is generated. See Titus 3:5. Regeneration is simultaneous with the new birth. Also see, Matt. 19:28
Justification is a state and an act. It is the state of being void of offense toward God by the act of God's forgiveness of the transgressions for which one has repented. See Romans 5:1-9; Titus 3:7.
Restitution where Possible
Restitution is the act of restoring something wrongfully taken or the satisfying of one who has been wronged. God requires those who become converted to perform such tasks if at all possible. See Matthew 3:8; Luke 1 9:8, 9; Romans 13:8.