Many Borrowers Have Suffered Financially as a Result of Adjustable

Many borrowers have suffered financially as a result of adjustable rate mortgages and option ARM's.Some borrowers purchased homes based on low introductory rates and then suffered payment shock when interest rates increased and so did their monthly payments.Option ARM's allowed borrowers to make payments that did not even cover accruing interest on the mortgage,resulting in negative amortization in some cases.Should the federal government regulate adjustable rate mortgages and option ARM's? Why or why not? Support your reasoning.