Mr. tran and his family immigrated to the u. s and mr. tran became a u. s. citizen. he only has a grade school education and still has problems with english. he went to the bank to open a checking account and afterward filed a complaint with the cfpb stating that he felt the bank's practices were abusive. what would mr. tran need to show to support his claim?

a. that the bank's practices materially interfered with his ability to understand a term or condition of a consumer financial product or service
b. that the bank presented information in english and he only spoke vietnamese
c. that the bank omitted information that was not material to his overall understanding of the product or service
d. that the bank presented information taking into consideration mr. tran's educational level