KEYWORD: Guideline F
DIGEST: Applicant failed to demonstrate a track record of responsible actions in regard to his
debts.  The Judge’s findings are based upon substantial record evidence.  The Board lacks
authority to hold oral argument.  Adverse decision affirmed.
CASENO: 09-01321.a1
DATE: 02/17/2010
DATE: February 17, 2010
In Re:
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Applicant for Security Clearance
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ISCR Case No. 09-01321
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 June 15, 2009, DOHA issued a statement of reasons (SOR) advising Applicant of the
basis for that decision–security concerns raised under Guideline F (Financial Considerations) of
Department of Defense Directive 5220.6 (Jan. 2, 1992, as amended) (Directive).  Applicant
requested a hearing.  On November 23, 2009, after the hearing, Administrative Judge David M.
White denied Applicant’s request for a security clearance.  Applicant appealed pursuant to Directive
¶¶  E3.1.28 and E3.1.30.
Applicant raised the following issues on appeal: whether certain of the Judge’s factual
findings were supported by substantial record evidence; and whether the Judge’s adverse security
clearance decision is arbitrary, capricious, or contrary to law.  Finding no error, we affirm.
The Judge found the following:  Applicant has numerous delinquent debts, totaling $79,513.
After receiving interrogatories from DOHA, Applicant entered into a agreement with a credit
counseling service, whereby Applicant would pay to the service $2,569 a month.  After 49 months
his debts were to be paid off.  He has not made payments, however, due in part to a recent tax
assessment from the IRS and in part to his having to make child support payments.  Applicant
attributes his financial problems to a job loss in 2002, in which he was “forced to quit” a position
due to a conflict of interest with another company for which he was also doing work.  Additionally,
it was hard for him to find work after the terrorist attacks of September 11, 2001.  Applicant enjoys
an excellent reputation for his good character.
In resolving the case adversely to Applicant, the Judge stated that Applicant had failed to
demonstrate a track record of responsible actions in regard to his debts.  “The record demonstrates
his ongoing inability to address his delinquent debts.  Applicant’s ongoing insolvency generates
continuing potential for pressure, coercion, or duress.”  Decision at 7.  
Applicant challenges the Judge’s statement that Applicant’s having been forced to quit a job
in 2002 caused his financial problems.  However, the Judge’s findings about the circumstances of
Applicant’s leaving his employment are based upon substantial record evidence.  Furthermore, there
is no basis to conclude that the Judge mis-weighed this evidence or otherwise attributed to it
unwarranted significance.  
Applicant requests oral argument before the Board.  The Board’s authority is derived from
the Directive.  The Directive does not authorize the Board to hold oral arguments.   
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 adverse decision is sustainable on this record.  “The general
standard is that a clearance may be granted only when ‘clearly consistent with the interests of the
national security.’”  Department of the Navy v. Egan, 484 U.S. 518, 528 (1988).     
Order
The Judge’s adverse security clearance decision is AFFIRMED.
Signed: Michael Y. Ra’anan          
Michael Y. Ra’anan
Administrative Judge
Chairperson, 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