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ISCR Case 25-00241 — CASE

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ISCR Case 25-00241

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

Case Profile
Decision Date12/16/2025
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Mark W. Harvey
Government Counsel: Brian L. Farrell
Case Summary
The applicant in this case was a 33-year-old project manager for a Department of Defense contractor who applied for a security clearance. The adjudicative guidelines at issue were related to financial considerations under Guideline F. The Statement of Reasons (SOR) outlined multiple allegations of financial distress, including 23 delinquent debts totaling approximately $52,947, and failure to file federal and state tax returns for the 2024 tax year.
During the proceedings, the applicant admitted to most of the allegations in the SOR but denied some claims regarding specific debts, asserting that he had paid them. He provided some mitigating information, including his current employment status and intentions to address his debts. However, he acknowledged feeling overwhelmed by his financial situation and had not made significant progress in resolving his debts, including several tax obligations.
The administrative judge ruled against the applicant, concluding that the financial considerations raised in the SOR were not sufficiently mitigated. The judge noted that the applicant's financial issues indicated a lack of self-control and poor judgment, which raised concerns about his reliability and trustworthiness. Consequently, the applicant's eligibility for access to classified information was denied.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 25-00241

deniedDec 16, 2025· Hon. Mark W. Harvey· hearing

Summary

A 33-year-old project manager was denied a security clearance under Guideline F, Financial Considerations, due to significant unresolved financial issues. The Statement of Reasons cited 23 delinquent debts totaling approximately $52,947, along with a failure to timely file federal and state tax returns for tax year 2024.

Disqualifying conditions under Guideline F were raised, specifically concerning a history of not meeting financial obligations, an inability or unwillingness to satisfy debts, and a demonstrated pattern of financial irresponsibility. The applicant admitted to some of the debts but did not provide sufficient evidence of progress in resolving these financial concerns.

The administrative judge determined that the applicant failed to demonstrate a reasonable plan for debt repayment or timely tax filing. This lack of resolution and demonstrated financial responsibility led to the conclusion that the applicant's financial difficulties raised significant questions about his reliability and trustworthiness, resulting in the denial of the security clearance.

Why the Applicant Was Denied

The applicant has 23 delinquent debts totaling approximately $52,947, raising significant concerns about financial reliability.
The applicant failed to demonstrate sufficient progress in resolving financial issues or timely filing tax returns.
The applicant did not provide evidence of a reasonable plan for repayment of debts.

Conditions Referenced

Disqualifying

AG ¶ 19(a)raisedInability to Satisfy Debts
AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
AG ¶ 19(f)raisedFailure to File or Fraudulently Filing Annual Federal, State, or Local Income Tax Returns or Failure to Pay Annual Federal, State, or Local Income Tax as Required

Procedural Posture

SOR issuedMar 5, 2025
Answer filedApr 9, 2025
Hearing heldSep 25, 2025via Microsoft Teams
Decision dateDec 16, 2025

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Failure to Demonstrate a Good-faith Effort to Resolve Debts
Significant Questions About Reliability and Trustworthiness Due to Financial Difficulties

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: denied

The judge found against the applicant on multiple financial considerations, including 23 delinquent debts totaling approximately $52,947 and failure to timely file tax returns for the year 2024. Despite some debts being resolved, the overall financial situation did not mitigate the security concerns raised under Guideline F.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant has 23 delinquent debts totaling about $52,947. $52,947	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations (f) failure to file / fraudulent filing of tax returns or unpaid tax	—	—
1.x	Applicant failed to timely file his federal and state tax returns for tax year 2024.	Against Applicant	Tax Filing Failure	Unknown	(f) failure to file / fraudulent filing of tax returns or unpaid tax	—	—

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.