Bankruptcy reform legislation passed by the House last week has won the support of community bankers for balancing consumer protections with lender interests but incurred the ire of consumers who say the bill favors lenders and the wealthy over honest, hard-working families. In particular, America’s Community Bankers, the country’s largest thrift trade group, praised the legislation for prohibiting "cramdowns," a practice in which courts lower the value of collateralized mortgage loans of bankruptcy filers. "The