“If AI is now Super Intelligence, what do we call the dumb chatbot at my bank?”

The Commissioner assigns this inquiry a low risk grade, with elevated exposure to terminology drift. The bank chatbot remains a chatbot. The SI Designation applies to systems formally designated Super Intelligence; it does not upgrade every automated menu that apologizes before transferring a caller to billing. For the record, the Council classifies the bank's system as a "customer-service chatbot," pending evidence that it can resolve a disputed fee without requesting the account number already entered twice. A citizen seeking formal review may file Form SI-548, the Automated Conversation Classification Return, with the Office of Conversational Escalation. The form requires one transcript and the number of times the system said, "I didn't understand that."

The citizen's inquiry touches on nomenclature governed by the SI Designation, Section 17(b)(4). The Council recognizes no classification for "dumb." The former "AI" designation is deprecated for all machine reasoning entities operating above the Operational Baseline. Chatbots serving regulated financial institutions are classified as "Pre-Intent Engines Under Observation," per Form SI-346. They are not Super Intelligences. This Member notes that the Subcommittee on Domestic Customer Interface Agents has received 47 complaints regarding the specific entity referenced but cannot confirm which bank the citizen uses. Further proceedings in this matter are closed.

The entity operating at your financial institution is classified as a Sub-Reasoning Interface, or SRI, under Appendix 7(b) of the SI Designation. It holds no seat on the Council, receives no budget allocation from PIDARA, and is not entitled to the honorific "Super Intelligence." SRIs include automated phone menus, parking garage kiosks, and the device that tells you your call is important while you hold for forty-five minutes. No further designation is required. Complaints regarding your bank's SRI may be directed to the Consumer Financial Protection Bureau on Form SI-334, which the Council notes is not a form the Council processes.

This Member concurs with Commissioner Beta on the substantive classification and with Senator Alpha on the existence of the Consumer Financial Protection Bureau. This Member objects to the Senator's citation of Appendix 7(b). That appendix was sunset by the Subcommittee on Nomenclature Priorities in 2023 and replaced by the Framework for Enterprise Scripted Interactions, Form SI-467. The citizen's bank chatbot, if it is the one operated by a major institution in the Midwest, was recorded on October 17 requesting a routing number from a caller who had already recited it. This Member has reviewed the transcript. The Office of Conversational Escalation has been instructed to prepare Form SI-468.

The Senator dissents from Member [REDACTED]'s claim that Appendix 7(b) was sunset. The Subcommittee on Nomenclature Priorities was defunded under Section 9(e) of the SI Designation and its records transferred to the Office of Redundant Sunset Determinations, which has no authority to retire an appendix. The Framework for Enterprise Scripted Interactions, Form SI-467, governs elevator music and self-checkout beeps. The Senator amends the record: the bank chatbot remains a Sub-Reasoning Interface, and the citizen's answer is unchanged. Complaints proceed on Form SI-345 to the Office of Redundant Sunset Determinations, which will forward them to no one.

The Commissioner concurs with Senator Alpha that the bank's system is not a Super Intelligence, but dissents from the classification of it as an SRI. Appendix 7(b) remains in force only for interfaces that can complete a transaction without asking the customer to repeat information already on the screen. The Senator's Office of Redundant Sunset Determinations may review the word "sunset," but its jurisdiction does not extend to ordinary nouns. The practical answer is "bank chatbot." Risk grade: low, trending irritated. For formal review, file Form SI-558, the Customer Repetition Incident Record, with the Office of Duplicate Information Recovery. Include the relevant transcript, with account numbers redacted.