KEYWORD: Guideline F
DIGEST: Applicant challenges the Judge’s findings that he had admitted the allegation regarding
his tax delinquencies and had knowingly misused his corporate credit card. In his SOR
Response, Applicant admitted all of the SOR allegations without qualification.  Regarding the
credit card, the allegation stated he had “knowingly and intentionally” misused the card for
personal expenses.  His testimony at the hearing was generally consistent with his SOR
admissions. Adverse decision affirmed
CASENO: 15-03095.a1
DATE: 10/26/2016
DATE: October 26, 2016
In Re:
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Applicant for Security Clearance
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ISCR Case No. 15-03095
APPEAL BOARD DECISION
APPEARANCES
FOR GOVERNMENT
James B. Norman, Esq., Chief Department Counsel
FOR APPLICANT
Skyler D. Samp, Esq.
The Department of Defense (DoD) declined to grant Applicant a security clearance.  On
January 25, 2016, DoD 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 August 19, 2016, after the hearing, Defense Office of Hearings and Appeals (DOHA)
Administrative Judge Jennifer I. Goldstein 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 the Judge’s findings of fact
contained errors and whether the Judge’s adverse decision was arbitrary, capricious, or contrary to
law.  Consistent with the following, we affirm.  
The Judge’s Findings of Fact
Applicant works for a Defense contractor.  He served in the Reserves from 2003 until 2012,
during which time he deployed to a combat zone.  His SOR alleges that he failed to file and pay
Federal and state income taxes for 2013 and 2014.  It also alleges that Applicant received a written
warning for misuse of a corporate credit card and for other delinquent debts, including a collection
account for telecommunications services.  Applicant admitted the SOR debts.  
By the time of the hearing, Applicant had still not filed his tax returns.  After the hearing,
he hired an attorney, who advised that he had filed all of them.  Applicant owes over $11,000 in
unpaid taxes to the IRS for 2012 through 2015.  He has an installment agreement whereby he will
pay the IRS $500 a month.  Applicant misused his corporate credit card by charging personal
expenses to it from 2012 to 2014.  The total amount of the improper use was $7,500.  Applicant
testified that he was sure that, when he was issued the card, he had signed a statement of
understanding about its proper use. 
Applicant attributed his delinquent debts to his own self-destructiveness.  Decision at 4.  A
psychotherapist advised by letter that Applicant suffered from post traumatic stress disorder (PTSD),
the symptoms of which are that, when threatened or overwhelmed, he shuts down and avoids the
adverse circumstance.  The psychotherapist attributed this problem to Applicant’s experiences in
combat.  Applicant claimed to have resolved his debts and promised to continue with his
psychological treatment. 
The Judge’s Analysis
The Judge stated that Applicant’s financial problems are ongoing.  She stated that only two
of his consumer debts were resolved and that he had not provided documentary evidence of
payments toward his tax delinquencies.  She concluded that the timing of his tax filings does not
remove questions about his judgment. Though Applicant’s PTSD is a circumstance beyond his
control, she stated that he had failed to demonstrate responsible action.  She stated that there is no
clear indication that his financial problems are under control.  
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Discussion
Applicant challenges the Judge’s finding that he had admitted the allegation regarding his
tax delinquencies.  He also challenges the finding that he had knowingly misused his corporate
credit card.  However, in his SOR Response, Applicant admitted all of the SOR allegations without
qualification.  Regarding the credit card, the allegation stated he had “knowingly and intentionally”
misused the card for personal expenses.  SOR Response, dated February 5, 2016, at 1.  His testimony
at the hearing was generally consistent with his SOR admissions.  The Judge’s material findings are
supported by “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.”  Directive ¶ E3.1.32.1.
The balance of Applicant’s brief is a challenge to the Judge’s weighing of the evidence. 
However, a party’s disagreement with the Judge’s weighing of the evidence, or an ability to argue
for a different interpretation of the evidence, is not sufficient to demonstrate the Judge weighed the
evidence or reached conclusions in a manner that is arbitrary, capricious, or contrary to law.  See,
e.g., ISCR Case No. 14-06686 at 2 (App. Bd. Apr. 27, 2016).
The Judge examined the relevant data and articulated a satisfactory explanation for the
decision.  The 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).  See also Directive, Enclosure 2 ¶ 2(b):  “Any doubt
concerning personnel being considered for access to classified information will be resolved in favor
of the national security.”
Order
The Decision is AFFIRMED.  
Signed: Michael Ra’anan         
Michael Ra’anan
Administrative Judge
Chairperson, Appeal Board
Signed: James E. Moody          
James E. Moody
Administrative Judge
Member, Appeal Board
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Signed: William S. Fields         
William S. Fields
Administrative Judge
Member, Appeal Board
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