KEYWORD: Guideline F
DIGEST: We cannot consider new evidence on appeal.  A Judge is presumed to have considered
all of the evidence in the record.  In a DOHA proceeding it is the applicant’s job to present
evidence in mitigation.  We have no authority to consider the impact of an unfavorable decision. 
Adverse decision affirm.  
CASE NO: 16-00644.a1
DATE: 04/06/2017
DATE: April 6, 2017
In Re:
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Applicant for Security Clearance
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ISCR Case No. 16-00644
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 June
10, 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 decision
on the written record.  On January 27, 2017, after considering the record, Defense Office of
Hearings and Appeals (DOHA) Administrative Judge Gina L. Marine denied Applicant’s request
for a security clearance.  Applicant appealed pursuant to Directive ¶¶  E3.1.28 and E3.1.30.
Applicant raised the following issue on appeal: whether the Judge’s adverse decision was
arbitrary, capricious, or contrary to law.  Consistent with the following, we affirm.  
The Judge’s Finding of Fact
Applicant retired from the military as a major.  He has been married to his current wife since
2010.  He has two children from his first marriage and two step-children.  Since his military
retirement, Applicant has been employed by a Defense contractor.  He earns about $70,000 a year
in addition both to retirement pay as well as to disability pay that he receives from the VA.  He
provides tuition, room, and board for three children attending college.  His regular expenses include
rent, utilities, and car payments.  He provided no further evidence about his income and expenses.
Applicant has financial troubles.  He attributed his problems to his divorce from his first
spouse.  At that time he assumed responsibility for the credit card debts that had arisen during the
course of the marriage.  The record is silent as to the overall amount of debt that is attributable to
the first marriage and any amount that has arisen since.  Applicant expressed no intention to pay his
credit card debts or other unresolved debt alleged in the SOR.  In his response to the File of Relevant
Material he “finally expressed an intent to pay certain debts[.]” Decision at 4.
Applicant’s SOR alleges eleven delinquent debts, the majority of which are for credit cards. 
Other debts include a deficiency resulting from a foreclosure sale of a house, a loan that has gone
to collection, and a bill for utilities.  The Judge found that Applicant did not in fact owe the alleged
home foreclosure deficiency.  She also found that Applicant had paid one of the credit card debts. 
However, the Judge found the balance of the SOR debts to be unresolved, stating that Applicant had
not presented evidence to corroborate his claims of payment.  Applicant has not undergone credit
counseling.  
The Judge’s Analysis
The Judge entered favorable findings concerning the mortgage and the credit card debt that
Applicant had paid.  However, regarding the balance of the allegations, the Judge concluded that
none of the mitigating conditions fully applied.  She stated that Applicant’s debts have persisted over
many years since his divorce.  Although that divorce was a circumstance outside Applicant’s
control, she concluded that he had not demonstrated responsible action in regard to his debts.  She
noted that he had not received financial counseling and stated that there is insufficient evidence that
he has attempted to resolve his problems.  
Discussion
Applicant’s brief includes information from outside the record in an attempt to provide more
detailed context for his financial problems.  We cannot consider new evidence on appeal.  Directive
¶ E3.1.29.  Applicant’s brief reiterates evidence in the record about his efforts at debt resolution, his
military service, marital problems, etc.  The Judge made detailed findings about Applicant’s
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circumstances and discussed them in her analysis.  Applicant has not rebutted the presumption that
the Judge considered all of the evidence in the record.  Neither has he demonstrated that the Judge
weighed the evidence in a manner that was arbitrary, capricious, or contrary to law.  See, e.g., ISCR
Case No. 13-00502 at 3 (App. Bd. Mar. 7, 2017).  In a DOHA proceeding, the applicant bears the
responsibility to present evidence in mitigation.  Directive ¶ E3.1.15.  Given the record that was
before her, the Judge did not err in concluding that Applicant had failed to meet this burden.
Applicant notes that his continued employment is conditioned upon his holding a clearance. 
The Directive does not permit us to consider the impact of an unfavorable decision.  See, e.g., ISCR
Case No. 15-06532 at 3 (App. Bd. Feb. 16, 2017). 
The Judge examined the relevant evidence 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
Signed: William S. Fields             
William S. Fields
Administrative Judge
Member, Appeal Board
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