Block has agreed to pay $45 million to settle lawsuits brought by 46 U.S. states alleging that its peer-to-peer payments app, Cash App, failed to adequately protect users from fraud.

State attorneys general said they found that Block misled users by falsely advertising that Cash App provided bank-like protections, including advanced fraud detection. Block denied wrongdoing.

According to the states, Cash App allowed users to create accounts without a Social Security number or date of birth, and placed no limits on the number of accounts a person could open, making it easier for scammers to exploit the platform. The states also alleged that because Cash App did not provide an official customer service phone number, many users who were locked out of their accounts turned to fake customer service numbers operated by scammers.

Many Americans rely on fintech applications for banking services, which has led to increased oversight. Block’s settlement marks the latest chapter in regulators’ scrutiny of Cash App’s business practices. This follows earlier action by the Consumer Financial Protection Bureau, which had similarly accused Block of failing to investigate fraud claims or provide adequate customer service, resulting in $175 million in fines and other compensation for consumers.

Under the new agreement, Block will improve Cash App’s fraud prevention measures and customer service, including providing live customer support for users of the mobile payments platform.

News of the deal was first reported by Reuters. Block did not immediately respond to TechCrunch’s request for comment.