Credit Karma will run as a stand-alone outfit, with existing CEO Kenneth Lin still in charge. Intuit expects the acquisition to close in the second half of 2020 if it clears the regulatory process.

The deal makes sense for Intuit. While it has the budgeting site Mint under its wing, it doesn’t have a credit tool quite like Credit Karma — Turbo is as close as it gets. The buyout gives Intuit a more complete picture of your financial health, not to mention more customer data and an easy way to push more TurboTax sales. On top of this, Credit Karma’s customers tend to skew younger. This could help Intuit reel in users who otherwise wouldn’t consider its apps, which also include QuickBooks.

There are concerns about the deal, though. Credit Karma is free at its heart (it makes money by pitching related products), but there are no guarantees it’ll stay that way. After all, Intuit is one of the companies that hid free tax filing options from Google searches. There’s also the question of overlap. Credit Karma offers some similar tools, including free tax filing. Will those survive, or will Intuit shutter them in favor of its own offerings? Credit Karma’s relative independence under the deal suggests its features will stick around for a while, but we wouldn’t rule out long-term changes.

Moving forward, the addendum prohibits TurboTax maker Intuit and the other nine companies that make up the Free File Alliance from “engaging in any practice” that would prevent their free software from showing up on Google or any other search engine. Additionally, all 10 companies must now stick to a standardized naming scheme so that you can easily identify their free software. The next time you search for one of their apps, it should be called “IRS Free File program delivered by [product name].”

However, the most significant change is that the IRS is now free to create its own software. Under the previous version of the deal, the agency had agreed not to compete with the industry under the understanding those companies would offer free software for low- and middle-income Americans to use come tax season.

The addendum comes after relentless reporting from ProPublica. In April, the publication published a report that showed Intuit and H&R Block had included code in their free software that prevented the apps from showing up on Google. Intuit also spent years lobbying the government to prevent the IRS from changing the Free File agreement.

In a blog post on its website, Intuit said it “strongly supports these changes to the Free File program and associated Free File offerings because they increase the focus on the taxpayer experience. We applaud the IRS and FFA, who worked together to bring about these important reforms.” The company currently faces several lawsuits for its past behavior.