Case Headnote
ISCR Case No. ISCR Case No. 25-00803
deniedApr 29, 2026· Hon. LeRoy F. Foreman· hearing
Synopsis
The applicant, a 34-year-old merchant mariner, faced security concerns under Guideline F (Financial Considerations) due to 19 delinquent debts totaling approximately $33,241. Despite admitting to the debts and attributing them to financial irresponsibility, he provided no evidence of efforts to resolve them. The judge denied the security clearance, concluding that the applicant did not mitigate the financial concerns raised.
Why the Applicant Was Denied
- The applicant admitted to 19 delinquent debts totaling about $33,241.
- He provided no evidence of efforts to resolve the debts alleged in the SOR.
- The applicant's financial irresponsibility raised concerns about his reliability and trustworthiness.
Conditions Referenced
Disqualifying
- AG ¶ 19(a)appliedInability to Satisfy Debts
- AG ¶ 19(b)appliedUnwillingness to Satisfy Debts Regardless of the Ability to Do So
- AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations
Mitigating
- AG ¶ 20(a)rejectedBehavior Happened so Long Ago, Was Infrequent, or Occurred Under Circumstances Unlikely to RecurThe applicant's delinquent debts are recent and frequent.
- AG ¶ 20(b)rejectedConditions Resulting in Financial Problems Were Largely Beyond the Person's ControlThe applicant did not provide evidence of the context of the judgment against him.
- AG ¶ 20(c)rejectedReceived Financial Counseling From a Legitimate SourceThe applicant submitted no evidence of financial counseling.
- AG ¶ 20(d)rejectedInitiated and Adhered to a Good-faith Effort to Repay Overdue CreditorsThe applicant did not demonstrate any efforts to repay debts.
- AG ¶ 20(e)rejectedReasonable Basis to Dispute the Legitimacy of Past-due DebtThe applicant did not dispute any of the debts alleged in the SOR.
Key Rule Quoted
“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the adjudicative guidelines.”
Procedural Posture
- SOR issuedAug 5, 2025
- Answer filedSep 1, 2025
- Hearing held—Applicant requested a decision on the written record.
- Decision dateApr 29, 2026
Cite For
- Denial of Security Clearance Due to Financial Irresponsibility Under Guideline F
- Failure to Provide Evidence of Debt Resolution Efforts
- Impact of Financial Considerations on Security Clearance Eligibility
Editorial summary generated for research. Not legal advice; not a prediction. Verify against the full decision before relying on any quoted language.