Finance Escalation Decision Card
Use with When to Stop and Call a Licensed Adviser.
What this is not
Not financial, tax, or legal advice. Not a directory endorsement. AI prepares handoffs; appropriately qualified or authorized humans handle regulated questions. The affected person retains the decision unless applicable law assigns it elsewhere.
Escalate when
| Trigger | Route |
|---|---|
| Personalized or high-impact product choice (loan/card/investment/insurance) | Appropriately authorized adviser or firm, independently verified in the relevant jurisdiction |
| Debt payoff order / settlement / insolvency timing | Nonprofit credit counselor / attorney |
| Tax positions / credits / audits | Appropriately qualified or authorized tax professional for the jurisdiction |
| Coverage dispute / settlement acceptance | Insurer process + adviser/attorney |
| Complex credit identity theft | Counselor / attorney + official bureaus |
| Payment demand with scam tells | Independent verify + official report; then adviser if funds moved |
Contacts saved before crisis
- Adviser / firm: ________________________________
- Tax professional: ________________________________
- Credit counselor: ________________________________
- Fraud report bookmarks: ReportFraud.ftc.gov / local equivalent
Safe handoff prompt
I am preparing questions for an appropriately qualified or authorized [role] in my jurisdiction.
From these redacted notes, produce clarifying questions and a document checklist only.
Do not answer the regulated questions. Do not recommend products or positions.
Notes: [redacted]
Do not
- Accept AI product rankings as advice
- Upload full statements to “save time”
- Treat a fintech chatbot as a fiduciary
- Pay a recovery scam after a loss