When it comes to adjustable-rate lines of credit plans under reverse mortgages, particularly those that are open-ended, there's a heightened risk of borrowers being steered towards options that benefit the loan officer at the borrower's expense.  These plans are exempt from specific regulations set forth by the Dodd-Frank Wall Street Reform and Consumer Protection Act, giving brokers more leeway to increase the margin and, consequently, their commission without the strict restrictions that apply to fixed-rate products.