The definition of "finished" seems grey anyways. What I meant by unfinished basement bedroom would be an unpainted concrete floor, exposed joist ceiling, unpainted concrete walls on exterior perimeter with a legal egress window, and two framed walls with a closet and door. Maybe a rug on the floor. Legal bedroom, but what makes it "finished" versus "unfinished"? I'd say it needs an AFCI if its a room that appears to be a sleeping room with a closet, whether the floor, ceiling, and some walls are finished or not. For GFCI's rules, the inspectors I've talked to seem to focus on the floor -- if exposed concrete, it is unfinished and needs GFCI. But I'd then ask what if the floor was tiled (to me that makes it finished but still a shock hazard) and the concrete walls are exposed?