As an readied action, you can set your lance against a charge. If a creature moves at least 20 feet straight toward you and attacks you.
On failure, if it is mounted, it falls prone and falls off its mount (dismounted).
You brace the lance, its tip angled steady. The ground trembles with approaching steps—then impact. A sharp jolt runs through the shaft as momentum meets resistance. The charge falters, force breaks, and rider topples hard.