‘‘(II) 4 percent with respect to pay-
ments received under section 1322(b)(11) 
of title 11 by the individual as a result of 
the operation of section 1322(b)(11)(D) of 
title 11, unless the bankruptcy court 
waives all fees with respect to such pay-
ments based on a determination that such 
individual has income less than 150 per-
cent of the income official poverty line (as 
defined by the Office of Management and 
Budget, and revised annually in accord-
ance with section 673(2) of the Omnibus 
Budget Reconciliation Act of 1981) appli-
cable to a family of the size involved and 
payment of such fees would render the 
debtor’s plan infeasible.’’. 
(b) CONFORMING
PROVISION.—The amendments 
made by this section shall apply to any trustee to whom 
the provisions of section 302(d)(3) of the Bankruptcy 
Judges, United States Trustees, and Family Farmer 
Bankruptcy Act of 1986 (Public Law 99–554; 100 Stat. 
3121) apply. 
SEC. 10. EFFECTIVE DATE; APPLICATION OF AMENDMENTS. 
(a) EFFECTIVE DATE.—Except as provided in sub-
section (b), this subtitle and the amendments made by this 
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subtitle shall take effect on the date of the enactment of 
this Act. 
(b) APPLICATION OF AMENDMENTS.— 
(1) IN GENERAL.—Except as provided in para-
graph (2), the amendments made by this subtitle 
shall apply with respect to cases commenced under 
title 11 of the United States Code before, on, or 
after the date of the enactment of this Act. 
(2) LIMITATION.—Paragraph (1) shall not 
apply with respect to cases closed under title 11 of 
the United States Code as of the date of the enact-
ment of this Act that are neither pending on appeal 
in, nor appealable to, any court of the United 
States. 
SEC. 11. GAO STUDY. 
The Comptroller General shall carry out a study, and 
submit to the Committee on the Judiciary of the House 
of Representatives and the Committee on the Judiciary 
of the Senate, not later than 2 years after the date of 
the enactment of this Act a report containing— 
(1) the results of such study of— 
(A) the number of debtors who filed, dur-
ing the 1-year period beginning on the date of 
the enactment of this Act, cases under chapter 
13 of title 11 of the United States Code for the 
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purpose of restructuring their principal resi-
dence mortgages, 
(B) the number of mortgages restructured 
under the amendments made by this subtitle 
that subsequently resulted in default and fore-
closure, 
(C) a comparison between the effectiveness 
of mortgages restructured under programs out-
side of bankruptcy, such as Hope Now and 
Help for Homeowners, and mortgages restruc-
tured under the amendments made by this sub-
title, 
(D) the number of cases presented to the 
bankruptcy courts where mortgages were re-
structured under the amendments made by this 
subtitle that were appealed, 
(E) the number of cases presented to the 
bankruptcy courts where mortgages were re-
structured under the amendments made by the 
subtitle that were overturned on appeal, and 
(F) the number of bankruptcy judges dis-
ciplined as a result of actions taken to restruc-
ture mortgages under the amendments made by 
this subtitle, and 
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(2) a recommendation as to whether such 
amendments should be amended to include a sunset 
clause. 
SEC. 12. REPORT TO CONGRESS. 
Not later than 18 months after the date of the enact-
ment of this Act, the Comptroller General, in consultation 
with the Federal Housing Administration, shall submit to 
the Congress, a report containing— 
(1) a comprehensive review of the effects of the 
amendments made by this subtitle on bankruptcy 
court, 
(2) a survey of whether the program should 
limit the types of homeowners eligible for the pro-
gram, and 
(3) a recommendation on whether such amend-
ments should remain in effect. 
Æ 
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