; or (B) modifying a plan under section 1323 or 1329 to contain a modification under the authority of subsection (b)(11). (i) In determining the holder’s allowed secured claim under section 506(a)(1) for purposes of subsection (b)(11)(A), the value of the debtor’s principal residence shall be the fair market value of such residence on the date such value is determined and, if the issue of value is contested, the court shall determine such value in accordance with the appraisal rules used by the Federal Housing Administration. . 6. Combating excessive fees Section 1322(c) of title 11, United States Code, is amended— (1) in paragraph (1) by striking and at the end, (2) in paragraph (2) by striking the period at the end and inserting a semicolon, and (3) by adding at the end the following: (3) the debtor, the debtor’s property, and property of the estate are not liable for a fee, cost, or charge that is incurred while the case is pending and arises from a debt that is secured by the debtor’s principal residence except to the extent that— (A) the holder of the claim for such debt files with the court and serves on the trustee, the debtor, and the debtor’s attorney (annually or, in order to permit filing consistent with clause (ii), at such more frequent periodicity as the court determines necessary) notice of such fee, cost, or charge before the earlier of— (i) 1 year after such fee, cost, or charge is incurred; or (ii) 60 days before the closing of the case; and (B) such fee, cost, or charge— (i) is lawful under applicable nonbankruptcy law, reasonable, and provided for in the applicable security agreement; and (ii) is secured by property the value of which is greater than the amount of such claim, including such fee, cost, or charge