Multimodal Federated Learning (MFL) enhances efficiency and quality of multimodal learning by combining distributed data sources.Missing modalities in MFL pose a significant challenge due to data quality issues or privacy policies.MMiC is a framework designed to address modality incompleteness in MFL within clusters by replacing partial parameters in client models.MMiC outperforms existing federated learning architectures in both global and personalized performance on multimodal datasets with missing modalities.