Lawmakers are examining measures that would require banks to

Question

Lawmakers are examining measures that would require banks to disclose all fees and account requirements in writing,  provide free cashing of government checks, and to create basic savings accounts to carry  minimal fees and require minimal initial deposits.

(A) provide free cashing of government checks, and to create basic savings accounts to carry
(B) provide free cashing of government checks, and creating basic savings accounts carrying
(C) to provide free cashing of government checks, and creating basic savings accounts that carry
(D) to provide free cashing of government checks, creating basic savings accounts to carry
(E) to provide free cashing of government checks, and to create basic savings accounts that carry

stallone · Answer

E for me as well ... parallelism is required

Radhika11 · Answer

Hi Experts

I have read in MGMAT that we shouldn't use comma before 'and' if the subject of the sentences/clauses to be connected is same.

We should instead either omit the comma or use the subject again.
For example:Rita is a nice gal and she is deserving for the scholarship. (Right)
Rita is a nice girl, and deserves scholarship (wrong)
Rita is a nice girl and deserves scholarship (right)

Can someone throw light on the last option based on the above comma splice rule form MGMAT

blayel · Answer

IMO, it is the problem of how you LIST thing rather than "and" or "comma" alone.

When you list only two things that are controlled by the same subject, "and" WITHOUT comma is the perfect choice as your two examples:
1) Rita is a nice gal and she is deserving for the scholarship. (Right)
And because two part: "is a nice gal" and "is deserving for the scholarship" both refers to Rita, this sentence is rewritten in the second example:
2) Rita is a nice girl and deserves scholarship (right)

However, when you list more than two things, it is common sense that you need commas to separate them.
Ex: I am a student, a man, and a child.

The first comma is a MUST. The second, however, is strongly encouraged and many consider it WRONG to exclude that comma (in GMAT sentences, I ALWAYS see the second commas).

Thus, the answer is perfect and no problem with the comma you raise.

daagh · Answer

True; the MGMAT talks about joining two sentences or clauses, in which you are required to use a subject and a verb to entail to be clauses. In that scenario for the sake of brevity, an allowance is given to omit the subject, as it is supposed to be understood. However, in the given topic, the choice E is not about clauses. It is about three infinitive verbals. They do not have a subject each of their own. Therefore, what omission of the subject are we concerned with?
 
A comma splice is about joining two ICS without a conjunction but by joining with just a comma. Since the choice does not have ICs and there is an ‘and’ before the last item, E does not have the traits a comma splice. Or, am I grossly misinterpreting your question?

Icecream87 · Answer

Very true, and it's not the first time I have seen GMAC break the very same rules we are obliged to abide by. I came across an SC question where complex gerunds paralleled simple gerunds in all the answer choices. Final word: do as they say, not as they do 8-)

Skywalker18 · Answer

Lawmakers are examining measures that would require banks to disclose all fees and account requirements in writing,  provide free cashing of government checks, and to create basic savings accounts to carry  minimal fees and require minimal initial deposits.

(A) provide free cashing of government checks, and to create basic savings accounts to carry - Parallelism issue - second element lacks infinitive marker to
(B) provide free cashing of government checks, and creating basic savings accounts carrying - Parallelism issue - Verb-ing in third element
(C) to provide free cashing of government checks, and creating basic savings accounts that carry - Parallelism issue - Verb-ing in third element
(D) to provide free cashing of government checks, creating basic savings accounts to carry - And is missing and Verb-ing distorts meaning
(E) to provide free cashing of government checks, and to create basic savings accounts that carry - Correct

Answer E

anox · Answer

Lawmakers are examining measures that would require banks  to disclose  all fees and account requirements in writing,  provide free cashing of government checks, and to create basic savings accounts to carry  minimal fees and require minimal initial deposits.

Issues:  Parallelism

Analysis:
 
1. All the clauses must be parallel
2. Another thing to recall is "One time out, or all times in"
3. In the sentence we see that in non-underlined part the verb is in infinitive form i.e. "to disclose". Now the correct option will either have list of infinitives without "to" in all except first one ("to disclose..., provide... and create...") or it will have "to" in all ("to disclose..., to provide... and to create...")

(A)  provide free cashing of government checks, and  to  create basic savings accounts  to carry 
- Incorrect; Does not follow "once out or all times in"

(B)  provide free cashing of government checks, and  creating  basic savings accounts carrying
- Incorrect; "creating" is not parallel with rest of the verb forms

(C)  to provide free cashing of government checks, and  creating  basic savings accounts that carry
- Incorrect; "creating" is not parallel with rest of the verb forms

(D)  to provide free cashing of government checks,  creating  basic savings accounts  to carry 
- Incorrect; "creating" is not parallel with rest of the verb forms; "and" is missing

(E)   to provide  free cashing of government checks, and  to create  basic savings accounts  that carry

Answer:  (E)

dcummins · Answer

Non-underlined portion features a command subjunctive "require(s)", which requires a base form verb (an infinitive - 'to disclose')
Therefore, everything should be parallel and in this form 'to xxx'
5-second scan at answers reveals a split between 'provide' and 'to provide'... Eliminate  A and B , we know the requirements are a base form 
C - "and creating" is not parallel. it should be "and to create". Eliminate and scan for answer choice that contains this form.
D- -ing use. Eliminate. Not parallel
E - Parallel - correct

HasnainAfxal · Answer

(A)  provide  free cashing of government checks, and  to create  basic savings accounts to carry
(B)  provide  free cashing of government checks, and  creating  basic savings accounts carrying
(C)  to provide  free cashing of government checks, and  creating  basic savings accounts that carry
(D)  to provide  free cashing of government checks,  creating  basic savings accounts to carry
(E)  to provide  free cashing of government checks, and  to create  basic savings accounts that carry

JayPatadiya · Answer

I agree with E however I have doubt here for non underlined portion.

Placing E the sentense will be -

....to provide free cashing of government checks, and to create basic saving accounts that carry minimal fees and require minimal deposits.

Here should not it be ....that carry minimal fees and that require minimal deposits to be parallel?

Please help.

Posted from my mobile device

AjiteshArun · Answer

The second  that  is not necessary, especially when the list is so short.

... that  carry  minimal fees  and   require  minimal initial deposits.

Adding a second  that  becomes more important as we add more words to the list (a longer list makes it harder for the reader to identify the elements of the list).

dabaobao · Answer

(A) provide free cashing of government checks, and  to create  basic savings accounts to carry  - Wrong: Parallelism 
(B) provide free cashing of government checks, and  creating  basic savings accounts carrying  - Wrong: Parallelism 
(C) to provide free cashing of government checks, and  creating  basic savings accounts that carry  - Wrong: Parallelism 
(D) to provide free cashing of government checks,  creating  basic savings accounts to carry  - Wrong: Parallelism 
(E) to provide free cashing of government checks, and to create basic savings accounts that carry  - Correct

CrackverbalGMAT · Answer

This question tests  parallelism .

First lets get to the bare bones version of this question:

Lawmakers are doing something that require banks  to disclose , … (provide), … (create)…

So the non-underlined portion says ‘to disclose’ and it means that the verbs that follow in the list should follow the same form to observe parallelism.

Let’s now scan the options:

(A) provide free cashing of government checks, and  to  create basic savings accounts to carry
(B) provide free cashing of government checks, and  creating  basic savings accounts carrying
(C) to provide free cashing of government checks, and  creating  basic savings accounts that carry
(D) to provide free cashing of government checks,  creating  basic savings accounts to carry
(E)  to provide  free cashing of government checks, and  to create  basic savings accounts that carry

Eliminate Options A, B, C and D.

Option E  is the best choice.

Hope this helps!

AnirudhaS · Answer

OE:
 Parallelism; Verb form 
The correct version of the sentence uses parallel structure to describe
what new legislation would require banks to do. The first requirement is
written as to disclose; the other two requirements must be parallel in
form. In this case, the other two requirements can be given as either to
provide . . . to create or provide . . . create, with the to understood. In
addition, using the same infinitive form for a different purpose in to
carry is potentially confusing; using that carry is a clearer construction.
A. Provide and to create are not parallel. To carry is unclear and can be
seen as making the illogical claim that the purpose of creating the
accounts is to carry minimal fees and require minimal deposits.
B. Provide and creating are not parallel.
C. Creating is not parallel with to provide.
D. To provide and creating are not parallel in form. To carry is unclear
and can be seen as making the illogical claim that the purpose of
creating the accounts is to carry minimal fees and require minimal
deposits.
E.  Correct.  Parallelism is maintained in this sentence by following to
disclose with to provide and to create. In this setting, the form that
carry is more readily understood than to carry.
 The correct answer is E.

Catman · Answer

Lawmakers are examining measures that would require banks to disclose all fees and account requirements in writing, provide free cashing of government checks, and to create basic savings accounts to carry minimal fees and require minimal initial deposits.

(A) provide free cashing of government checks, and to create basic savings accounts to carry  ~ Incorrect parallelism it should be to disclose, to provide and to create. 
(B) provide free cashing of government checks, and creating basic savings accounts carrying  ~ Incorrect parallelism it should be to disclose, to provide and to create. 
(C) to provide free cashing of government checks, and creating basic savings accounts that carry  ~ Incorrect parallelism it should be to disclose, to provide and to create. 
(D) to provide free cashing of government checks, creating basic savings accounts to carry  ~ Incorrect parallelism it should be to disclose, to provide and to create. 
(E) to provide free cashing of government checks, and to create basic savings accounts that carry  ~ Correct parallelism to disclose, to provide and to create.

Lawmakers are examining measures that would require banks to

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Lawmakers are examining measures that would require banks to

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