; or , and (3) by adding at the end the following: (10) the claim for a loan secured by a security interest in the debtor’s principal residence is subject to a remedy for rescission under the Truth in Lending Act notwithstanding the prior entry of a foreclosure judgment, except that nothing in this paragraph shall be construed to modify, impair, or supersede any other right of the debtor. . 5. Authority to modify certain mortgages Section 1322 of title 11, United States Code, is amended— (1) in subsection (b)— (A) by redesignating paragraph (11) as paragraph (12), (B) in paragraph (10) by striking and at the end, and (C) by inserting after paragraph (10) the following: (11) notwithstanding paragraph (2), with respect to a claim for a loan originated before the effective date of this paragraph and secured by a security interest in the debtor’s principal residence that is the subject of a notice that a foreclosure may be commenced with respect to such loan, modify the rights of the holder of such claim (and the rights of the holder of any claim secured by a subordinate security interest in such residence)— (A) by providing for payment of the amount of the allowed secured claim as determined under section 506(a)(1); (B) if any applicable rate of interest is adjustable under the terms of such loan by prohibiting, reducing, or delaying adjustments to such rate of interest applicable on and after the date of filing of the plan; (C) by modifying the terms and conditions of such loan— (i) to extend the repayment period for a period that is no longer than the longer of 40 years (reduced by the period for which such loan has been outstanding) or the remaining term of such loan, beginning on the date of the order for relief under this chapter