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ISCR Case 20-03277 — CASE

ISCR Case 20-03277granted

Case Headnote

ISCR Case No. 20-03277

grantedMar 30, 2022· Hon. Gregg A. Cervi· hearing

Summary

This DOHA security clearance decision involved an applicant representing himself, facing concerns under Guideline F (Financial Considerations). The issues stemmed from outstanding debts and tax filings.

The applicant successfully resolved all listed debts and tax filings. The adjudicator found that the financial difficulties were caused by serious family and medical problems that were beyond the applicant's control. Mitigating conditions AG ¶ 20(a), (b), (c), (d), and (g) were applied.

Ultimately, the judge determined that the applicant's current reliability and trustworthiness were not in doubt, leading to a GRANTED outcome for continued eligibility for access to classified information.

Why the Applicant Prevailed

The applicant resolved all SOR-listed debts and tax filings.
The financial issues were caused by serious family and medical problems beyond the applicant's control.
The judge found that the applicant's current reliability and trustworthiness were not in doubt.

Conditions Referenced

Mitigating

AG ¶ 20(a)appliedConditions That Could Mitigate Financial Considerations
AG ¶ 20(b)appliedConditions That Could Mitigate Financial Considerations
AG ¶ 20(c)appliedConditions That Could Mitigate Financial Considerations
AG ¶ 20(d)appliedConditions That Could Mitigate Financial Considerations
AG ¶ 20(g)appliedConditions That Could Mitigate Financial Considerations

Key Rule Quoted

“I also gave due consideration to the whole-person concept.”

Procedural Posture

SOR issuedApr 7, 2021
Answer filedApr 29, 2021
Hearing heldMar 24, 2022
Decision dateMar 30, 2022

Cite For

Mitigating Conditions for Financial Concerns Under Guideline F
Impact of Personal Circumstances on Financial Issues
Whole-person Concept in Security Clearance Evaluations

Editorial summary generated for research. Not legal advice; not a prediction. Verify against the full decision before relying on any quoted language.

Standardized Decision Profile

SEAD-4 Guideline F · descriptive summary of a decided case

Posture: HearingDecided: granted

The judge found that the applicant had resolved all SOR-listed debts and tax filings, which were incurred due to serious family and medical issues beyond his control. The judge concluded that these mitigating factors were sufficient to grant the applicant's security clearance.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	specific text not stated in this decision	For Applicant	Unspecified Financial	Unknown	—	(a) behavior happened long ago / infrequent / unlikely to recur (b) conditions largely beyond the person’s control; acted responsibly (c) received/receiving counseling; problem being resolved (d) good-faith effort to repay or otherwise resolve debts (g) arrangements made with the tax authority; in compliance	—

Descriptive standardized rendering of a decided public case (Guideline F). The verbatim source decision is shown in full below.

Full decision

The complete, official text — footnotes and signatures included — is in the original PDF.

Decision text, by section

DEFENSE OFFICE OF HEARINGS AND APPEALS

HEARING

______________ ______________ DEPARTMENT OF DEFENSE DEFENSE OFFICE OF HEARINGS AND APPEALS In the matter of: ) ) ) ISCR Case No. 20-03277 ) Applicant for Security Clearance ) Appearances For Government: Tara Karoian, Esq., Department Counsel For Applicant: Pro se 03/30/2022 Decision CERVI, GREGG A., Administrative Judge: On April 7, 2021, the Department of Defense Counterintelligence and Security Agency Consolidated Adjudications Facility (DCSA CAF) issued a Statement of Reasons (SOR) to Applicant detailing security concerns under Guideline F, financial considerations. The action was taken under Executive Order (EO) 10865, Safeguarding Classified Information within Industry (February 20, 1960), as amended; DOD Directive 5220.6, Defense Industrial Personnel Security Clearance Review Program (January 2, 1992), as amended (Directive); and the adjudicative guidelines implemented by DOD on June 8, 2017 (AG). Applicant responded to the SOR on April 29, 2021, and requested a hearing before an administrative judge. The case was assigned to me on February 4, 2022. The hearing was held as scheduled on March 24, 2022. At the conclusion of the hearing, I proposed that this case was appropriate for a summary disposition in Applicant’s favor. Department Counsel concurred. This case involves financial concerns under Guideline F. Based upon his testimony and the documents in evidence, Applicant has resolved the SOR-listed debts and tax filings, all of which were incurred because of conditions beyond his control including

________________________ serious family and medical issues that significantly impeded his ability to cope with financial matters. The evidence established that mitigating conditions 20(a)-20(d), and (g) substantially apply and all of the SOR delinquencies have been satisfactorily resolved, thereby mitigating the Guideline F concerns. The concerns over Applicant’s history of financial problems do not create doubts about his current reliability, trustworthiness, good judgment, and ability to protect classified information. In reaching this conclusion, I weighed the evidence as a whole and considered if the favorable evidence outweighed the unfavorable evidence. I also gave due consideration to the whole-person concept. Accordingly, I conclude that he met his ultimate burden of persuasion to show that it is clearly consistent with the national interest to continue his eligibility for access to classified information. This case is decided for Applicant. Gregg A. Cervi Administrative Judge