Amend CSSB 471 as follows: (3) At the end of SECTION 1 of the bill (Committee printing, page 4, between lines 14 and 15) insert: Sec. 342.623. CONSIDERATION OF BORROWER'S ABILITY TO PAY. When making or negotiating a deferred deposit loan, the lender shall consider, in determining the size, duration, and schedule of installments of the loan, the financial ability of the borrower to repay the loan, and specifically evaluate whether the borrower will be reasonably able to pay the loan in cash at the time and in the manner provided in the deferred deposit loan agreement.