Football League chairman Sir Brian Mawhinney said he does not believe the new Wembley stadium will be open for this season's showpiece finals.
The Football Association are hopeful the stadium will be completed in time to stage the FA Cup final in May but doubts have been expressed over whether the construction will be completed in time.
The league are planning to stage April's LDV Vans Trophy final and the three season-ending play-off finals at the new ground but have made back-up plans to return to Wales.
Mawhinney said: 'We are all looking forward to Wembley and we all hoped at the end of this season we would play them at Wembley.
'We have contingencies to play them at Cardiff and until I get an official letter I guess we think we are going to Wembley.
'My own personal view is I'll see you in Cardiff.'
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