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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  [#permalink]

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Updated on: 24 May 2019, 03:22
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Question Stats:

74% (01:19) correct 26% (01:17) wrong based on 2217 sessions

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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

Originally posted by noboru on 04 Nov 2009, 15:35.
Last edited by Bunuel on 24 May 2019, 03:22, edited 1 time in total.
Renamed the topic and edited the question.
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Re: The Gorton-Dodd bill requires that a bank disclose to their customers  [#permalink]

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16 Sep 2011, 08:45
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5
(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?
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Re: The Gorton-Dodd bill requires that a bank disclose to their customers  [#permalink]

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25 Aug 2011, 01:38
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schandok wrote:
The Gorton-Dodd bill requires that a bank disclose to their customers how long they will delay access to funds from deposited checks.

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??

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:
http://gmatclub.com/forum/subjunctive-and-use-of-that-with-simple-verb-form-79606.html

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Re: The Gorton-Dodd bill requires that a bank disclose to their customers  [#permalink]

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21 Dec 2011, 02:21
1
schandok wrote:
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??

This is subjunctive mood. Subjunctive mood is divided into 2 kinds: Hypothetical subjunctive and Command subjunctive. This case is command subjunctive mood that is used with some verb called Bossy Verb such as require, demand, request, mandate, suggest, recommend, or propose...
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Re: The Gorton-Dodd bill requires that a bank disclose to their customers  [#permalink]

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01 Jan 2013, 03:07
1
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

This question tests subjunctive rule and subject-verb agreement:

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

Subject-verb agreement: the singular subject ''a bank'' must have a singular verb ''its'' but in this sentence we have ''their and they'' as highlighted in italics.
Subjunctive rule: require when followed by that requires that the following verb should be in its base form (disclose instead of discloses). Though we don't have subjunctive usage error in original sentence. We will look at it in other answer choices.

Now lets POE:

(A) that a bank disclose to their customers how long they will delay access to funds from deposited checks --> SV error as explained above: eliminate
(B) a bank to disclose to their customers how long they will delay access to funds from a deposited check --> SV error as explained above: eliminate
(C) that a bank disclose to its customers how long it will delay access to funds from deposited checks--> both SV and subjunctive verb correctly used correct
(D) a bank that it should disclose to its customers how long it will delay access to funds from a deposited check --> voilates subjunctive rule.. cannot use should
(E) that banks disclose to customers how long access to funds from their deposited check is to be delayed --> awkwardly placed ''their deposited check''

Hope it clarifies!

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Re: The Gorton-Dodd bill requires that a bank disclose to their customers  [#permalink]

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06 Jan 2014, 10:14
1
noboru wrote:
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

C: We know that "it" refers to the bank, because the sentence says "its customers", which implicity means bank and not "bill". So, using "its" later on is not ambiguous, we already know that "it" refers to bank and not bill.

E) "to customers" is ambiguous because we do not know WHOSE customers we're talking about. A/B out because bank needs singular and they include "their", D out because "bill requires a bank that it SHOULD".. It requires that banks should? Makes no sense.
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Re: The Gorton-Dodd bill requires that a bank disclose to their customers  [#permalink]

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Updated on: 01 Jan 2017, 09:17
1
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??

Originally posted by schandok on 24 Aug 2011, 18:46.
Last edited by Skywalker18 on 01 Jan 2017, 09:17, edited 1 time in total.
Underlined the required part
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Re: The Gorton-Dodd bill requires that a bank disclose to their customers  [#permalink]

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10 May 2014, 04:38
Bank (singular) + Disclose (Plural) .. isn't there a problem with this usage ?
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Re: The Gorton-Dodd bill requires that a bank disclose to their customers  [#permalink]

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10 May 2014, 08:19
1
hellonavin wrote:
Bank (singular) + Disclose (Plural) .. isn't there a problem with this usage ?

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
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Re: The Gorton-Dodd bill requires that a bank disclose to their customers  [#permalink]

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28 Sep 2014, 23:59
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 - Plural Pronoun for singular noun

(B) a bank to disclose to their customers how long they will delay access to funds from a deposited check- Plural Pronoun and subjunctive structure error

(C) that a bank disclose to its customers how long it will delay access to funds from deposited checks - Correct choice

(D) a bank that it should disclose to its customers how long it will delay access to funds from a deposited check - subjunctive structure error- Explained below

(E) that banks disclose to customers how long access to funds from their deposited check is to be delayed - whose customers, Also Wordy

Require is subjunctive it must follow - subjunctive + That + Subject + Be verb
- So B and D are out due to this error only
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Re: The Gorton-Dodd bill requires that a bank disclose to their customers  [#permalink]

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15 Jan 2015, 04:32
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.
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Re: The Gorton-Dodd bill requires that a bank disclose to their customers  [#permalink]

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15 Jan 2015, 08:31
nishant.1987 wrote:
Can somebody please explain why disclose (verb) in plural form is correct here?

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.
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Re: The Gorton-Dodd bill requires that a bank disclose to their customers  [#permalink]

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16 Apr 2015, 10:27
noboru wrote:
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
pronouns their/they does not agree in number with the subject "a bank". furthermore, it changes the meaning, stating that customers delay access to funds. this is illogical

(B) a bank to disclose to their customers how long they will delay access to funds from a deposited check
same error as in A
requires needs a that clause to describe what is required.

(C) that a bank disclose to its customers how long it will delay access to funds from deposited checks
correct answer. its/it correctly refers to "a bank"

(D) a bank that it should disclose to its customers how long it will delay access to funds from a deposited check
should in subjunctive mood is incorrect

(E) that banks disclose to customers how long access to funds from their deposited check is to be delayed
passive voice is not preferable
pronoun their is ambiguous. it can refer to both banks and customers.
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Re: The Gorton-Dodd bill requires that a bank disclose to their customers  [#permalink]

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10 Sep 2016, 05:25
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nishant.1987 wrote:
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.

I also negated C because of "disclose" instead of "discloses" and went for D, which is wrong. But I found following about Subjunctive Mood

"A verb is in the subjunctive mood when it expresses a condition which is doubtful or not factual. It is most often found in a clause beginning with the word if. It is also found in clauses following a verb that expresses a doubt, a wish, regret, request, demand, or proposal."

And, here it was a demand that a bank disclose .... to its customers.

And, also see the following link too " http://grammarist.com/grammar/subjunctive-mood/ "
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Re: The Gorton-Dodd bill requires that a bank disclose to their customers  [#permalink]

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10 Sep 2016, 08:28
nishant.1987 wrote:
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.

Require is a subjunctive verb. So, it always takes a plural verb after 'that' no matter the subject is singular or plural.

http://magoosh.com/gmat/2012/gmat-gramm ... ive-tense/
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Re: The Gorton-Dodd bill requires that a bank disclose to their customers  [#permalink]

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04 Aug 2019, 20:24
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Re: The Gorton-Dodd bill requires that a bank disclose to their customers   [#permalink] 04 Aug 2019, 20:24