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ISCR Case 23-02668 — CASE

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ISCR Case 23-02668

A decided public DOHA case, shown for research — not advice or a prediction.

Case Profile
Decision Date2/13/2025
Statusgranted
LevelHEARING
TypeSTANDARD ISCR
Participants
Judge: Edward W. Loughran
Government Counsel: Andrew H. Henderson
Applicant's Counsel: Bradley P. Moss
Case Summary
20(c) were found to be applicable. The administrative judge concluded that the applicant had mitigated the security concerns under Guideline F (financial considerations) and granted her eligibility for access to classified information. The judge noted that while the applicant had a history of not meeting her financial obligations, her actions were more a result of negligence rather than an intentional disregard for her debts. The applicant's proactive steps to resolve her debts, including settling two of the debts and making payments toward the third, demonstrated a commitment to rectifying her financial situation.
The judge acknowledged the applicant's significant personal challenges, including her responsibilities as a caregiver and her own medical issues, which contributed to her financial difficulties. Ultimately, the judge found that the applicant's current financial stability, combined with her demonstrated efforts to address her past debts, indicated that her financial issues were unlikely to recur, thus supporting the decision to grant her security clearance.
Guidelines Evaluated
- Guideline FFinancial Considerations · For Applicant
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Case Headnote

ISCR Case No. 23-02668

grantedFeb 13, 2025· Hon. Edward W. Loughran· hearing

Summary

This case concerns a 39-year-old defense contractor employee whose security clearance was initially questioned under Guideline F (Financial Considerations) due to three delinquent debts totaling $40,288. These debts included two consumer debts of $26,917 and $13,768, and an unpaid medical debt of $603. The Statement of Reasons alleged these financial issues, citing Disqualifying Conditions AG ¶ 19(a), AG ¶ 19(b), and AG ¶ 19(c).

However, the applicant successfully mitigated these concerns by demonstrating a commitment to resolving the debts. All three delinquent debts were addressed through a combination of settlements and structured payment plans. The applicant also showed a renewed sense of financial responsibility and possessed a high income, which supported the feasibility of future payments.

Applying Mitigating Conditions AG ¶ 20(a), AG ¶ 20(c), and AG ¶ 20(d), the administrative judge concluded that the applicant's financial issues were unlikely to recur. Consequently, the applicant was GRANTED eligibility for access to classified information.

Why the Applicant Prevailed

The applicant resolved all delinquent debts through settlements and payment plans.
The applicant demonstrated a commitment to financial responsibility and has a high income to support future payments.
The judge found that the applicant's financial issues were unlikely to recur.

Conditions Referenced

Disqualifying

AG ¶ 19(a)raisedInability to Satisfy Debts
AG ¶ 19(b)raisedUnwillingness to Satisfy Debts
AG ¶ 19(c)appliedHistory of Not Meeting Financial Obligations

Mitigating

AG ¶ 20(a)appliedBehavior Unlikely to Recur
AG ¶ 20(c)rejectedReceiving Financial CounselingThe applicant did not receive formal financial counseling.
AG ¶ 20(d)appliedGood-faith Effort to Repay Debts

Key Rule Quoted

“Any doubt concerning personnel being considered for national security eligibility will be resolved in favor of the national security.”

Procedural Posture

SOR issuedDec 19, 2023
Answer filedFeb 1, 2024
Hearing heldOct 23, 2024
Decision dateFeb 13, 2025

Cite For

Mitigation of Financial Issues Under Guideline F
Importance of Demonstrating a Commitment to Resolving Debts
Consideration of Income and Financial Stability in Security Clearance Decisions

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: Decision on RecordDecided: granted

The judge found that the applicant had three delinquent debts, including two consumer debts and one medical debt. However, all debts have been resolved or are in the process of being resolved, leading to a decision in favor of the applicant under Guideline F.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant has three delinquent debts: two consumer debts for $26,917 and $13,768, and an unpaid medical debt of $603. $26,917	For Applicant	Unspecified Financial	Admitted	(b) unwillingness to satisfy debts regardless of ability (c) a history of not meeting financial obligations	(a) behavior happened long ago / infrequent / unlikely to recur	Documented Debt Paid in Full Documented Payment Plan with Creditor
1.b	Applicant has three delinquent debts: two consumer debts for $26,917 and $13,768, and an unpaid medical debt of $603. $13,768	For Applicant	Unspecified Financial	Admitted	(b) unwillingness to satisfy debts regardless of ability (c) a history of not meeting financial obligations	(a) behavior happened long ago / infrequent / unlikely to recur	Documented Debt Paid in Full
1.c	Applicant has three delinquent debts: two consumer debts for $26,917 and $13,768, and an unpaid medical debt of $603. $603	For Applicant	Medical Debt	Admitted	(b) unwillingness to satisfy debts regardless of ability (c) a history of not meeting financial obligations	(a) behavior happened long ago / infrequent / unlikely to recur	Documented Debt Paid in Full

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.