KEYWORD: Guideline F; Guideline B
DIGEST: Although Applicant’ financial problems were related to his wife’s gambling habit,
which was not within his control, he failed to demonstrate that his response to his debts was
reasonable.  Adverse decision affirmed.  
CASE NO: 07-10841.a1
DATE: 08/24/2009
DATE: August 24, 2009
In Re:
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Applicant for Security Clearance
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ISCR Case No. 07-10841
APPEAL BOARD DECISION
APPEARANCES
FOR GOVERNMENT
James B. Norman, Esq., Chief Department Counsel
FOR APPLICANT
Pro Se
The Defense Office of Hearings and Appeals (DOHA) declined to grant Applicant a security
clearance.  On December 17, 2007, DOHA issued a statement of reasons (SOR) advising Applicant
of the basis for that decision–security concerns raised under Guideline F (Financial Considerations)
and Guideline B (Foreign Influence) of Department of Defense Directive 5220.6 (Jan. 2, 1992, as
amended) (Directive).  Applicant requested a hearing.  On May 27, 2009, after the hearing,
Administrative Judge Wilford H. Ross denied Applicant’s request for a security clearance.
Applicant appealed pursuant to Directive ¶¶  E3.1.28 and E3.1.30.
1The Judge’s favorable findings under Guideline F, paragraph 1(g), and under Guideline B are not at issue in
this appeal.
2See Directive ¶ E2.20(b): “[T]he conditions that resulted in the financial problem were largely beyond the
person’s control . . . and the individual acted responsibly under the circumstances[.]”
3See Directive ¶¶ E2.20(c), (d): “[T]he person has received or is receiving counseling . . . and/or there are clear
indications that the problem is being resolved[;]” “[T]he individual initiated a good-faith effort to repay overdue
creditors[.]”
Applicant raised the following issues on appeal: whether certain of the Judge’s findings of
fact are supported by substantial record evidence and whether the Judge’s adverse security clearance
decision is arbitrary, capricious, or contrary to law.1  Finding no error, we affirm.  
The Board has examined the Judge’s factual findings and concludes that they are based upon
substantial record evidence.  See  Directive  ¶ E3.1.32.1.  (Substantial evidence is “such relevant
evidence as a reasonable mind might accept as adequate to support a conclusion in light of all the
contrary evidence in the same record.”) For example, Applicant contends that he is not in debt in
an amount in excess of $100,000 as the Judge stated.  This finding of the Judge is located in the
Analysis portion of the decision.  It is supported by Government Exhibits 2 and 8, Credit Reports;
by testimony adduced at the hearing; and by Applicant’s response to the SOR.  Even if the Judge’s
statement were erroneous, it would be harmless, viewed in light of record evidence that Applicant
has significant delinquent debt.  See, e.g., ISCR Case No. 01-23362 at 2 (App. Bd. Jun. 5, 2006);
ISCR Case No. 03-09915 at 4-5 (App. Bd. Dec. 16, 2004); ISCR Case No. 01-11192 at 4-5 (App.
Bd. Aug. 26, 2002). 
The Judge gave due consideration to evidence that Applicant’s indebtedness was caused in
large measure by his wife’s gambling habit, which suggests that the debts originated from causes
outside his control.  However, the Judge also concluded that Applicant had not demonstrated a
reasonable response to the debts.2  He further concluded that Applicant had not demonstrated that
his financial problems are being resolved or that he had initiated a good-faith effort to pay off his
debts.3  The Judge’s conclusions are sustainable.  
After reviewing the record, the Board concludes that the Judge examined the relevant data
and articulated a satisfactory explanation for the decision, “including a ‘rational connection between
the facts found and the choice made.’”  Motor Vehicle Mfrs. Ass’n of the United States v. State Farm
Mut. Auto. Ins. Co., 463 U.S. 29, 43 (1983)(quoting Burlington Truck Lines, Inc. v. United States,
371 U.S. 156, 168 (1962)).  The Judge’s decision that “it is not clearly consistent with the national
interest to grant Applicant eligibility for a security clearance” is sustainable on this record.  Decision
at 10.  See also Department of the Navy v. Egan, 484 U.S. 518, 528 (1988) (“The general standard
is that a clearance may be granted only when ‘clearly consistent with the interests of the national
security.’”).  
Order
The Judge’s adverse security clearance decision is AFFIRMED.  
Signed: Jean E. Smallin              
Jean E. Smallin
Administrative Judge
Member, Appeal Board
Signed: William S. Fields            
William S. Fields
Administrative Judge
Member, Appeal Board
Signed: James E. Moody            
James E. Moody
Administrative Judge
Member, Appeal Board