Highly repellent carpet protectants

A nylon substrate treated with 1) aqueous dispersion consisting essentially of

• A. a partially fluorinated urethane polymer having at least one urea linkage, which compound is the product of the reaction of:
• (1) at least one organic polyisocyanate containing at least three isocyanate groups;
• (2) at least one fluorochemical compound which contains per molecule (a) a single functional group having one or more Zerewitinoff hydrogen atoms and (b) at least two carbon atoms, each of which is attached to at least two fluorine atoms;
• and (3) water in an amount sufficient to react with from about 5% to about 60% of the isocyanate groups in said polyisocyanate;
• B. a non-fluorinated cationic surfactant selected from the group consisting of salts of protonated amines, quaternary ammonium salts, and amine oxides;
• and
• C. a non-fluorinated nonionic surfactant which is a condensate with ethylene oxide of at least one of a fatty acid alkanol amide, an alkyl phenol, a fatty acid, a fatty alcohol, an ester of a fatty acid and polyhydric alcohol, and a polyoxypropylene block copolymer,
• in combination with 2) at least one anionic stain resist,
• said dispersion providing oil and water repellency upon application to the nylon substrate without causing tip staining.