https://prospect.org/politics/warren-latest-plan-signals-time-talk-joe-biden-record/
“More important, (Elizabeth Warren’s) plan lets borrowers modify primary residence mortgages in bankruptcy, a concept known as “cram-down” that the Obama-Biden administration (to borrow Biden’s common terminology) openly fought against after promising to enact it. This would have significantly mitigated the foreclosure crisis, giving borrowers a fair shot at a clean slate and equitably sharing the losses from the collapse. “