KEYWORD: Guideline F; Guideline C; Guideline B; Guideline E
DIGEST: The Appeal Board cannot consider new evidence.  Applicant failed to rebut the
presumption that the Judge considered all of the evidence in the record.  Adverse decisions
affirmed.
CASE NO: 14-02411.a1
DATE: 06/01/2015
DATE: June 1, 2015
In Re:
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Applicant for Security Clearance
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ISCR Case No. 14-02411
APPEAL BOARD DECISION
APPEARANCES
FOR GOVERNMENT
James B. Norman, Esq., Chief Department Counsel
FOR APPLICANT
Pro se
The Department of Defense (DoD) declined to grant Applicant a security clearance.  On July
14, 2014, DoD issued a statement of reasons (SOR) advising Applicant of the basis for that
decision—security concerns raised under Guideline F (Financial Considerations), Guideline C
(Foreign Preference), Guideline B (Foreign Influence), and Guideline E (Personal Conduct) of
Department of Defense Directive 5220.6 (Jan. 2, 1992, as amended) (Directive).  Applicant
requested a hearing.  On March 17, 2015, after the hearing, Defense Office of Hearings and Appeals
(DOHA) Administrative Judge Claude R. Heiny denied Applicant’s request for a security clearance. 
Applicant appealed, pursuant to the Directive ¶¶ E3.1.28 and E3.1.30.1  
Applicant raises the following issues on appeal: whether the Judge’s adverse decision is
arbitrary, capricious, or contrary to law.  Consistent with the following, we affirm.
The Judge made the following findings:  Applicant has a history of financial problems.  He
and his wife had five houses that went into foreclosure.  He owed the IRS approximately $35,000
and the state $20,000 for delinquent taxes.  He owes $134,000 for unpaid second mortgages and
$4,000 on a delinquent collection account.  Applicant owes approximately $60,000 in student loans,
which are currently in deferment status.  He is paying, has paid, or had the debt forgiven on
approximately $575,000 of his delinquent SOR debt.  Five delinquent debts, totaling approximately
$150,000 have yet to be addressed.
The Judge concluded: Applicant submitted proof that he made an $800 payment to the state
taxing authority, but this is insufficient to show an agreement has been reached concerning the full
$20,000 amount he owes to the state.  Applicant still owes the second mortgage on two properties. 
He would like to work out a repayment agreement with the holder of the mortgage, but they are
unwilling to lessen their demand for full payment.  His financial problems occurred more than five
years ago, but some of the delinquent debt remains unpaid.  He is currently separated with his wife
seeking divorce.  This is a factor beyond his control, but his financial problems started before he
separated from his wife.  His efforts at repayment are insufficient to establish a good-faith effort to
repay his debts.  The record evidence raises questions and doubts about Applicant’s eligibility and
suitability for a security clearance.  He has not mitigated the security concerns arising from his
financial difficulties.
Applicant states that he disagrees with the Judge’s ultimate findings under Guideline F and
he lists efforts on his part to address his overdue debt.  He states that he has learned from his
financial struggles, that he takes full responsibility for his debts and is committed to satisfying them. 
The Board construes Applicant’s assertions as an argument that he has mitigated the government’s
concerns.
Applicant’s representations regarding his recent efforts to address his debts constitute
additional evidence that goes beyond the record evidence in the case.  The Board cannot consider
new evidence on appeal.   See Directive ¶ E3.1.29.
Given the extent and the ongoing nature of Applicant’s debts, the Board concludes that the
Judge’s decision is supported by the record.  Applicant has not rebutted the presumption that the
Judge considered all the evidence in the record or that he weighed the evidence in a manner that was
arbitrary, capricious, or contrary to law.  See, e.g., ISCR Case No. 08-06438 at 2 (App. Bd. Aug. 4,
2009).  
1The Judge found in Applicant’s favor under Guidelines C, B, and E.  Those favorable formal findings are not
at issue on appeal.  
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The Board does not review a case de novo.  The favorable evidence cited by Applicant is not
sufficient to demonstrate the Judge’s decision is arbitrary, capricious, or contrary to law.  See, e.g.,
ISCR Case No. 06-11172 at 3 (App. Bd. Sep. 4, 2007).  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
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).  Therefore,
the Judge’s ultimate unfavorable security clearance decision is sustainable.
Order
The decision of the Judge is AFFIRMED.
Signed: Michael Ra’anan        
Michael Ra’anan
Administrative Judge
Chairperson, Appeal Board
Signed: Jeffrey D. Billett         
Jeffrey D. Billett
Administrative Judge
Member, Appeal Board
Signed: James E. Moody         
James E. Moody
Administrative Judge
Member, Appeal Board
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