Wisconsin's proposed state budget now includes an amendment that imposes stricter deadlines on debt repayment for borrowers. Last month, the Wisconsin Joint Finance Committee voted to remove a provision that would have exempted the "rent-to-own" industry from several consumer protection laws; but the new amendment gives a victory to payday lenders. Currently, a borrower is not considered to have defaulted on a loan until 40 days after the due date, but the budget amendment would allow payday lenders to declare a loan in default after just 10 days past due. Then, the lender could report the borrower to a credit rating agency, send the loan to collections, or file a small-claims suit. Consumer advocacy groups are speaking out against the proposal.