Navigating Special Ethical Issues as CFT Flashcards
(71 cards)
What are the learning objectives for this video on navigating special ethics for CFT-Is™?
Participants will be able to:
* Outline the potential mandated reporting role of a CFT-I™
* Demonstrate awareness of potential power dynamics as a CFT-I™ and their impact on the practitioner/client relationship
* Recognize the signs and symptoms of red flag issues that could present in financial therapy
* Outline ways to navigate red flag issues as a CFT-I™
* Identify the value of collaboration and consultation for maintaining self-awareness, boundaries, and ethical practice
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What is the important context for the CFT-I™ certification?
The CFT-I™ certification supplements the work you do in your home discipline by providing additional knowledge and information to enhance your conceptualization of clients and their issues. The CFT-I™ does not certify you to “practice financial therapy”. It acknowledges that you have gained a foundational level of knowledge across therapeutic, financial, and financial therapy-specific domains. The ethical obligations of your home discipline will dictate any practice you are engaged in.
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What does the FTA’s Code of Ethics say about general confidentiality?
Financial therapists must keep information related to their services with clients confidential unless disclosure is required for the welfare of the client/others, or is required by law. When disclosure is required, only essential information is revealed, and the client is informed when possible.
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How does confidentiality differ for CFTs™ with an active mental health license?
Financial therapists licensed as mental health professionals may adhere to the standards of confidentiality required by their held license, which may be a higher standard than the general confidentiality standard. They must inform clients of this in the consent form and delineate the differences in their reporting mandates per applicable law.
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What does the FTA’s Code of Ethics say about clients outside the scope of practice?
Financial therapists must avoid entering or immediately terminate a service relationship if the client is outside their professional scope of practice and they cannot properly assist the client. They must respectfully offer a more appropriate referral.
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According to the FTA’s Code of Ethics, what should financial therapists acknowledge regarding their scope of practice?
Financial therapists must acknowledge their scope of practice with clients and must engage in practices only within the boundaries of their level of competence outlined by their certification, experience, and education. Scope of practice should be clearly documented and presented to clients in the consent/engagement process.
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What is a ‘Red Flag’ Issue in the context of financial therapy?
A ‘Red Flag’ is an indicator of an issue or potential problem that may arise in the course of financial therapy practice and affects the security or well-being of the client(s), financial therapist, or someone outside the sessions. These issues are serious and must be addressed immediately within ethical and legal standards.
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List some examples of ‘Red Flag’ Issues that may present in financial therapy.
- Potential Power Dynamics between Practitioner and Client(s)
- Child Abuse and Neglect
- Elder Abuse and Neglect
- Financial Abuse
- Financial Infidelity
- Suicide
- Homicide
- Chronic Mental Illness
- Intimate Partner Violence (IPV)
- Trauma
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What are some signs and symptoms of potential power dynamics between a practitioner and client?
- Issues of Transference and Countertransference
- Lack of supervision, mentorship, and/or continuing education
- Practitioner’s lack of personal reflection of services
- Lack of exploration of own biases
- Lack of open communication and checking-in with clients
- Clients feeling judged, frustrated, cautious to share, and/or avoidant
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What does the FTA’s Code of Ethics say about the abuse of the relationship?
Financial therapists must not abuse the potential power in their relationship with clients.
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What does the FTA’s Code of Ethics say about unjustified personal gains and exploitative relationships?
Financial therapists must not use their professional position to seek or receive unjustified personal gains, sexual favors, unfair advantage, or unearned goods or services. They also must not engage in exploitative relationships with clients, employees, students/trainees, supervisees, colleagues, or research subjects.
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What are some signs and symptoms of child abuse and neglect?
- Physical abuse: bruising, burns, fractures
- Emotional abuse: parents’ disinterest or inappropriate reactions to a child’s behavior
- Sexual abuse: abnormal behaviors, highly seductive behavior, sexualized play, precocious knowledge of sexual acts, children with concerns about pregnancy, distorted body image, shame, excessive guilt, fear of males (or females), changes in personality such as withdrawing, depression, regressive behaviors such as enuresis or sleep change
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What are some signs and symptoms of elder abuse and neglect?
- Bruises, injuries, welts, cuts, wounds, cigarette, and rope burn marks, especially if at multiple sites, bilateral, or shaped like objects
- Deep pressure ulcers in multiple sites
- Malnutrition/dehydrated
- Poor personal hygiene
- Painful body movements unrelated to illness and a change in demeanor or activity level
- Dementia and/or depression as independent risk factors for neglect
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What are some signs and symptoms of financial abuse?
- Withholding of earnings or information about finances
- Constraining involvement in paid work
- Limiting the control of money or financial decisions
- Creating debt or ruining credit
- Stealing and destroying property
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What are some signs and symptoms of financial infidelity?
- Secretly spending money (e.g., secretive gambling or shopping)
- Withholding income or expenditures (e.g., in instances of child support avoidance)
- Incurring debt (e.g., excessive credit card use or not disclosing unpaid student loans)
- Hiding financial savings (e.g., having a separate banking account due to a lack of trust)
- Secret luxury expenditures
- Secret credit cards
- Hiding an affair
- Hiding Debt
- Secret gambling or drug addictions
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What are some chronic risk factors for suicide?
- Family depression and suicide history
- Mental and physical health history
- Life cycle
- Previous suicide attempts
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What are some acute risk factors for suicide?
- Current mental status (e.g., anxiety, insomnia, hopelessness, feeling trapped)
- Increased alcohol use
- Rage
- Social isolation
- Unemployment
- Hopelessness
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What are some contributory risk factors for suicide?
- Financial strain
- Threat of loss of position or identity
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What are some signs and symptoms of homicide?
- Threats or acts of violence
- Rage
- Emotional regulation difficulty
- Depression
- Substance abuse
- History of violence
- History of violent crimes and previous violations of restraining orders
- Use of weapons
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What are some signs and symptoms of chronic mental illness?
- History of family mental illness
- Lack of boundaries between work, home, and social life
- Emotional regulation difficulties
- Anxious, depressed, anger, and/or erratic behavior
- Lack of feedback about successful performance
- Lack of support from peers
- Unmet needs for company, daily activity, and a confidant - often loneliness or social exclusion
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What are some signs and symptoms of Intimate Partner Violence (IPV)?
- Substance abuse
- History of violence
- History of violent crimes and previous violations of restraining orders
- Use of weapons
- Threats
- Obsession with partner
- Bizarre forms of violence
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What are some signs and symptoms of Trauma?
- Trauma history
- PTSD symptoms and/or diagnosis
- Sleep disturbance
- Poor access to care status
- Anxiety, depression, aloofness, anger
- Interpersonal forms of extrafamilial victimization
- Types of trauma include physical, psychological, emotional, sexual
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What are predisposing factors for ‘Red Flag’ Issues?
Factors that may increase the likelihood of ‘red flag’ issues, such as:
* Miscommunication about money
* Lack of financial literacy
* Power dynamics
* Differing money attachments
* Shifts in financial stability
* Significant emotions (shame, guilt, embarrassment, anxiety, fear)
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What are preemptive strategies for navigating ‘Red Flag’ Issues?
What you can do before ‘red flag’ issues arise, including:
* Addressing these issues and client rights to confidentiality during informed consent
* Awareness of ‘red flag’ issues and symptoms
* Awareness of ethical codes and laws
* Understanding scope of practice
* Developing lists of resources and colleagues
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