Earlier today, the House Rules Committee agreed to allow the mortgage modification in bankruptcy provision to be considered as an amendment to the broader financial services reform bill. The provision would allow bankruptcy judges to modify mortgages in bankruptcy, and could help millions of people facing foreclosure--and not just those who file bankruptcy.  The ability of bankruptcy judges to make such adjustments would finally provide motivation for mortgage holders to enter into good-faith voluntary modifications that would allow hardworking people to remain in their homes.