require all persons offering loans to the public receive the same commission for all loan types.

Loan officers and brokers offering retail loans to the public are viewed by the public as "counselors". They are, in fact, salesmen in the old fast talking used car salesman tradition, foisting unwanted and unneeded loan types, such as ARMs or no interest loans on an unsuspecting public. These salesmen "sell" loans of a higher value than requested, or sell other loan types than originally requested in order to receive a highr commission. Yes, the public may be ultimately responsible for getting more funds than they need, often placing themselves in difficulty, but these loan officers "sell" very well. It's not all the fault of the public. Forcing a single commission rate for all loan types will at least remove the incentive from the loan officer from offering different loan types.