; and (ii) is secured by property the value of which is greater than the amount of such claim, including such fee, cost, or charge; (4) the failure of a party to give notice described in paragraph (3) shall be deemed a waiver of any claim for fees, costs, or charges described in paragraph (3) for all purposes, and any attempt to collect such fees, costs, or charges shall constitute a violation of section 524(a)(2) or, if the violation occurs before the date of discharge, of section 362(a); and (5) a plan may provide for the waiver of any prepayment penalty on a claim secured by the debtor’s principal residence. . 7. Confirmation of plan (a) Section 1325(a) of title 11, United States Code, is amended— (1) in the matter preceding paragraph (1) strike subsection (b) and insert subsections (b) and (d) , (2) in paragraph (5)— (A) by inserting except as otherwise provided in section 1322(b)(11), after (5) , and (B) in subparagraph (B)(iii)(I) by inserting (including payments of a claim modified under section 1322(b)(11)) after payments the first place it appears, (3) in paragraph (8) by striking and at the end, (4) in paragraph (9) by striking the period at the end and inserting a semicolon, and (5) by inserting after paragraph (9) the following: (10) notwithstanding subclause (I) of paragraph (5)(B)(i), whenever the plan modifies a claim in accordance with section 1322(b)(11), the holder of a claim whose rights are modified pursuant to section 1322(b)(11) shall retain the lien until the later of— (A) the payment of such holder’s allowed secured claim; or (B) completion of all payments under the plan (or, if applicable, receipt of a discharge under section 1328(b))