The federal law governing the HECM program can be found at www.hecmresources.org/resources/HECMStatute.pdf

The federal regulations implementing the HECM law can be found at http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfr&tpl=/ecfrbrowse/Title24/24cfr206_main_02.tpl