Which of the following statements regarding the RBI's latest guidelines for Housing Finance Companies (HFCs) are correct?

1. The minimum liquid asset requirement has been increased from 6.5% to 8%.
2. The ceiling on public deposits for HFCs has been reduced from 3 times to 1.5 times of net owned funds.
3. HFCs must ensure full asset cover for public deposits and inform the National Housing Bank (NHB) if the asset cover falls short.