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ISCR Case 24-01563 — CASE

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ISCR Case 24-01563

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

Case Profile
Decision Date7/1/2025
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Related decisionSee the appeal decision (Case ISCR Case No. 24-01563) →
Participants
Applicant Representation: Pro Se
Judge: Roger C. Wesley
Government Counsel: Lauren A. Shure
Case Summary
The applicant in this case was a 66-year-old employee of a defense contractor seeking a security clearance. The adjudicative guideline at issue was financial considerations, with the core allegations in the Statement of Reasons (SOR) indicating that the applicant had accumulated four delinquent consumer debts exceeding $36,000. The applicant admitted to these allegations but provided explanations related to unstable income, his wife's cancer treatment, and supporting his three adult children, which he claimed contributed to his financial difficulties.
The administrative judge found that the applicant's financial issues were significant and unresolved, noting that while he had a monthly income of $11,600, he had not documented a plan to address the debts listed in the SOR. The judge highlighted the applicant's history of accumulating delinquent debts and his lack of tangible evidence demonstrating a change in his financial management practices. Ultimately, the judge ruled that the applicant did not mitigate the financial considerations concerns, leading to a denial of eligibility for access to classified information. The decision emphasized the importance of financial stability for individuals in positions requiring access to sensitive information, citing concerns about trust, reliability, and judgment.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 24-01563

deniedJul 1, 2025· Hon. Roger C. Wesley· hearing

Summary

A 66-year-old defense contractor employee was denied a security clearance under Guideline F, Financial Considerations, due to unresolved financial issues. The Statement of Reasons (SOR) alleged the applicant accumulated four delinquent consumer debts totaling over $36,000, which remained outstanding. These allegations also noted a history of not meeting financial obligations, raising concerns about the applicant's trust, reliability, and judgment.

Disqualifying conditions 19(a), 19(b), and 19(c) were raised, while mitigating condition 20(b) was applied. However, the applicant failed to provide a documented plan to address the outstanding debts.

Ultimately, the clearance was denied because the applicant's accumulation of significant delinquent debt raised trust and reliability concerns. This financial instability indicated poor self-control and a lack of judgment, and the applicant did not demonstrate a plan for resolving the financial obligations.

Why the Applicant Was Denied

The applicant accumulated four delinquent debts exceeding $36,000, raising trust and reliability concerns.
The applicant failed to provide a documented plan for addressing the debts covered by the SOR.
The applicant's financial instability indicated poor self-control and lack of judgment.

Conditions Referenced

Disqualifying

19(a)appliedInability to Satisfy Debts
19(b)appliedUnwillingness to Satisfy Debts Regardless of the Ability to Do So
19(c)appliedA History of Not Meeting Financial Obligations

Mitigating

20(b)appliedThe Conditions That Resulted in the Financial Problem Were Largely Beyond the Person’s ControlThe applicant's family care-taking responsibilities were recognized as extenuating circumstances.

Key Rule Quoted

“Eligibility for access to classified information may only be granted 'upon a finding that it is clearly consistent with the national interest to do so.'”
— Exec. Or. 10865, Safeguarding Classified Information within Industry § 2 (Feb. 20, 1960)

Procedural Posture

SOR issuedNov 5, 2024
Answer filedDec 6, 2024Requested resolution on the written record without a hearing.
Hearing held—Case assigned on June 5, 2025.
Decision dateJul 1, 2025

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Importance of Documented Financial Management in Security Clearance Cases
Consideration of Whole-person Assessment in Financial Stability 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: Decision on RecordDecided: denied

The judge found that the applicant had accumulated four delinquent consumer debts exceeding $36,000, which remain unresolved. Despite the applicant's claims of mitigating circumstances, the judge concluded that the financial considerations raised significant security concerns, resulting in a denial of eligibility for access to classified information.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant allegedly accumulated four delinquent consumer debts exceeding $36,000. $36,000	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (b) unwillingness to satisfy debts regardless of ability (c) a history of not meeting financial obligations	—	Claimed Other
1.b	Applicant's delinquent debts have not been resolved and remain outstanding.	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (b) unwillingness to satisfy debts regardless of ability (c) a history of not meeting financial obligations	—	Claimed Other
1.c	Applicant has a history of not meeting financial obligations.	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (b) unwillingness to satisfy debts regardless of ability (c) a history of not meeting financial obligations	—	Claimed Other
1.d	Applicant's financial issues raise trust, reliability, and judgment concerns.	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (b) unwillingness to satisfy debts regardless of ability (c) a history of not meeting financial obligations	—	Claimed Other

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.