On July 10, HUD published a request for comment on its recent amendments to the Home Equity Conversion Mortgage (HECM) reverse mortgage program to limit the insurability of fixed interest rate reverse mortgages. Although those changes already took effect under the emergency action taken by HUD, it now seeks public comment on those changes. HUD also recently took two other actions related to the HECM program. In Mortgagee Letter 2014-10, HUD reminded mortgagees of the FHA’s requirements prohibiting misleading or deceptive advertising, described those prohibitions, and clarified that they extend to misleading or deceptive descriptions of the HECM program. On June 27, HUD issued Mortgagee Letter 2014-12, which announced new HECM principal limit factors. HUD’s new principal limit factor tables now include principal limit factors where the borrower has a non-borrowing spouse younger than 62.