KANSAS CITY, Mo. — H&R Block Inc. yesterday announced that it will change its refund anticipation loan program to make sure customers fully understand it.

The changes to the program in which H&R Block lends customers the money they expect to receive from a tax refund comes two months after a federal judge approved a $39 million settlement in a long-running class-action lawsuit against the tax-preparation company by customers who claimed they paid too much for the loans.

H&R Block said it will show customers a chart outlining their options for filing a tax return, fees and the time it takes to get a refund. It said the practice would address some concerns from critics who say the loans take advantage of financially unsophisticated taxpayers.

"Besides saving our clients money, we're doing even more to make sure H&R Block customers receive the best service and disclosures in the industry," Chairman and Chief Executive Officer Mark A. Ernst said in a news release.