The Gorton-Dodd bill requires that a bank disclose to their customers

Question

The Gorton-Dodd bill requires  that a bank disclose to their customers how long they will delay access to funds from deposited checks.

(A) that a bank disclose to their customers how long they will delay access to funds from deposited checks
(B) a bank to disclose to their customers how long they will delay access to funds from a deposited check
(C) that a bank disclose to its customers how long it will delay access to funds from deposited checks
(D) a bank that it should disclose to its customers how long it will delay access to funds from a deposited check
(E) that banks disclose to customers how long access to funds from their deposited check is to be delayed

daagh · Accepted Answer

(A) that  a bank  disclose to  their  customers how long they will delay access to funds from deposited checks ---  a bank –their – subject pronoun number disagreement  
(B)  a bank  to disclose to  their  customers how long they will delay access to funds from a deposited check ------  same as A  
(C) that  a bank  disclose to  its  customers how long it will delay access to funds from deposited checks  --- right use of present subjunctive mood template ' X requires that Y do ' and Pronoun agreement --- disclose is the imperative base form of the subjunctive verb --- correct choice. 
(D)  a bank that it should  disclose to its customers how long it will delay access to funds from a deposited check –----  right idiom is x requires Y to do . ‘X requires that Y should’ is wrong use of subjunctive mood verb as well as idiomatic format  
(E) that banks disclose to customers how long access to funds from their deposited  check  is to be delayed ---  Here the problem is more logical than structural. Certainly, it does not have to do with 'their' but with the singular check. Do the customers all present their own individual checks or do they present a single joint check? Doesn’t meet logic, does it?

addict1ve · Answer

In subjunctive statements, we are required to use:
a. simple present tense form (for example: 'disclose')
b. always singular irrespective of the subject. 
c. No "should" is to be added.

Just to explain subjunctive means demand or command verb like 'requires', 'ordered'. Here is the format:

Demanding verb (such as requires, ordered, etc) + THAT + ROOT form verb or BE (simple tense form such as 'disclose' above)

Some other examples from web are:

The Supreme Court decreed that he TAKE charge of the situation
I insist that the chairman resign!
I suggest that he study
The attorney proposed that the session be adjourned until the following day

Hope it helps

Cheers

schandok · Answer

The Gorton-Dodd bill requires  that a bank disclose to their customers how long they will delay access to funds from deposited checks .

(A) that a bank disclose to their customers how long they will delay access to funds from deposited checks
(B) a bank to disclose to their customers how long they will delay access to funds from a deposited check
(C) that a bank disclose to its customers how long it will delay access to funds from deposited checks
(D) a bank that it should disclose to its customers how long it will delay access to funds from a deposited check
(E) that banks disclose to customers how long access to funds from their deposited check is to be delayed

It's discussed in other places and I am not convinced w/ the explanation.

I would like to understand if "a bank disclose" is correct? A bank is singular and should follow discloses IMV..... Thoughts??

crick20002002 · Answer

The Gorton-Dodd bill requires that  => signals Subjunctive usage.

The verb rule for subjunctive is :
The present tense of the subjunctive uses only the base form of the verb.

Thats why we need disclose(base form) instead of discloses.

Check out bb's reply in the following post:
 https://gmatclub.com/forum/subjunctive-and-use-of-that-with-simple-verb-form-79606.html

Crick

hellonavin · Answer

Bank (singular) + Disclose (Plural) .. isn't there a problem with this usage ?

nishant.1987 · Answer

I was solving this question yesterday and my approach was to see at - disclose (a verb) after a bank. As a bank is singular, should not disclose be discloses to make it singualar.

But I end up picking choice E using this approach which is wrong.

Can somebody please explain why disclose (verb) in plural form is correct here?

Also, do all verbs follow this rule - Singular (ends with 's) & Plural (as it is)?

Thanks.

EducationAisle · Answer

Hi Nishant, this sentence uses (what's called)  subjunctive  construct. Hence, this sentence uses the verb  disclose  after a singular subject  bank .

Perhaps you would have come across sentences such as:

Teacher suggested that James better study hard.

Again  study  is used after  singular  subject  James .

p.s. Our book    EducationAisle Sentence Correction Nirvana    discusses  Subjunctive , its application and examples in significant detail. If someone is interested, PM me your email-id, I can mail the corresponding section.

Sneha2021 · Answer

VeritasKarishma   GMATNinjaTwo   GMATNinja

Why E is incorrect? 
I understand that C conveys a clear meaning, but I did not find meaning conveyed by E illogical. 
Can you please help?

Thanks!

KarishmaB · Answer

When the customers deposit a check, the bank transfers the check amount in the customer's account in a few days. 
As per the bill, the bank needs to disclose to its customers how long this time period will be i.e. the bank needs to tell the customers whether the access will happen after 1 day or 2 days or 3 days etc.

(E) that banks disclose to customers how long access to funds from their deposited check is to be delayed

First of all, customers will deposit individual checks (check should be plural).
Secondly, this seems to convey that 'the bank needs to disclose how long access is to be delayed' as if somehow the customers need to delay the access. 
Instead, the bank needs to disclose how long it will delay the access - how long the bank will delay the access. Hence (C) is correct and (E) is not.

CrackverbalGMAT · Answer

The Gorton-Dodd bill requires  that a bank disclose to their customers how long they will delay access to funds from deposited checks.

(A) that a bank disclose to their customers how long they will delay access to funds from deposited checks
(B) a bank to disclose to their customers how long they will delay access to funds from a deposited check
(C) that a bank disclose to its customers how long it will delay access to funds from deposited checks
(D) a bank that it should disclose to its customers how long it will delay access to funds from a deposited check
(E) that banks disclose to customers how long access to funds from their deposited check is to be delayed

A quick scan of the options shows us the use of singular and plural pronouns- “it” and “they”.
As we are talking about the bank’s customers, we must use the singular pronoun “it” to refer to the bank.
 Eliminate A and B.

“Requires that” should follow the rule for command subjunctive. Hence we cannot use “should disclose”.  Eliminate D.

Option E distorts the meaning- how long access to funds from their deposited check  is to be delayed 
As we are talking about the checks deposited by customers, we should use the plural- "checks" and not the singular- "check"
 Eliminate E

Option C  corrects the grammatical and meaning errors present in other options.

ExpertsGlobal5 · Answer

Dear Friends,

Here is a detailed explanation to this question-

Meaning is crucial to solving this problem: 
Understanding the intended meaning is key to solving this question; the intended meaning of this sentence is that the Gorton-Dodd bill requires that a bank disclose to its customers how long it will delay access to funds from deposited checks.

Concepts tested here: Meaning + Pronouns + Subjunctive Mood + Awkwardness/Redundancy

• “bossy verb ("requires") + that + something be done” is a correct, subjunctive usage.

A:  This answer choice incorrectly refers to the singular noun "bank" with the plural pronouns "they" and "their".

B:  This answer choice incorrectly refers to the singular noun "bank" with the plural pronouns "they" and "their".

C:   Correct.  This answer choice correctly refers to the singular noun "bank" with the singular pronouns "its" and "it". Further, Option C uses the phrase "from deposited checks", conveying the intended meaning - that banks must disclose to individual customers how long access to funds from   each of their individual checks   is to be delayed. Additionally, Option C correctly maintains a correct subjective mood construction - “bossy verb ("requires") + that + something be done ("a bank disclose to its customers")”. Besides, Option C is free of any awkwardness or redundancy.

D:  This answer choice fails to maintain a correct subjunctive mood usage, as it utilizes the construction “bossy verb ("requires") + noun ("a bank") + that + something be done ("it should disclose to its customers")"; remember, “bossy verb ("requires") + that + something be done” is a correct, subjunctive usage. Further, Option D redundantly uses the word "should" alongside the bossy verb "requires"; this usage is redundant because both terms convey a sense of necessity.

E:  This answer choice alters the meaning of the sentence through the phrase "their deposited check"; the construction of this phrase illogically implies that banks must disclose to customers how long access to funds from   a singular check shared by all customers   is to be delayed; the intended meaning is that banks must disclose to individual customers how long access to funds from   each of their individual checks   is to be delayed.

Hence, C is the best answer choice.

To understand the "3 Key Subjunctive Structures" on GMAT, you may want to watch the following video (~1 minute):

https://www.youtube.com/watch?v=gv-VK7GkSbU

All the best!
Experts' Global Team

JaydeepPatadiya · Answer

Can a newly introduced bill be only for a bank (one bank)? should not it be banks?

Piotrek · Answer

Hey, could you please explain why in 'E' 'their' has clear antecedent? I rejected this choice because I thought that it is incorrect. I got the correct choice (C) but rejected E for the wrong reason

raahulthakur · Answer

Hey  Piotrek , I think it's logically clear that customers will deposit the checks. Therefore, 'their' in E has a clear antecedent, referring to customers.

Another reason why E is wrong: It says 'their deposited check' (This illogically conveys that customers collectively deposited one check) instead of individual checks.

raahulthakur · Answer

Hey  JaydeepPatadiya , I think that doesn't matter much because it's stating a rule.

A vague example would be (Still mastering the art of creating sentences for illustration purposes :p, so, sorry for the vague example):
 Employers require an employee to be smart, intelligent and honest.  (Notice that we didn't use employees here)

I hope it is right and clarifies your doubt.

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The Gorton-Dodd bill requires that a bank disclose to their customers

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The Gorton-Dodd bill requires that a bank disclose to their customers

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