The term 'straight-laced finger-wagger' is composed of two words: 'straight-laced' and 'finger-wagger'. The first word, 'straight-laced', is defined as someone who is excessively strict or conventional in their behavior. The second word, 'finger-wagger', is defined as someone who scolds or reprimands others. Together, the term describes someone who is overly strict and scolds others for not following the rules. The crossword solution for this term is 'PRUDE', which is defined as someone who is excessively or affectedly proper, modest, or decorous. This person is likely to be very judgmental and critical of others.