---
kind: "section"
citation: "32 C.F.R. § 147.8"
title: "32"
number: "147.8"
heading: "Guideline F—Financial considerations."
url: "https://uscodex.org/cfr/32/147.8"
---

# §147.8. Guideline F—Financial considerations.

- (a) **The concern.** An individual who is financially overextended is at risk of having to engage in illegal acts to generate funds. Unexplained affluence is often linked to proceeds from financially profitable criminal acts.
- (b) **Conditions that could raise a security concern and may be disqualifying include—**
  - (1) A history of not meeting financial obligations;
  - (2) Deceptive or illegal financial practices such as embezzlement, employee theft, check fraud, income tax evasion, expense account fraud, filing deceptive loan statements, and other intentional financial breaches of trust;
  - (3) Inability or unwillingness to satisfy debts;
  - (4) Unexplained affluence;
  - (5) Financial problems that are linked to gambling, drug abuse, alcoholism, or other issues of security concern.
- (c) **Conditions that could mitigate security concerns include—**
  - (1) The behavior was not recent;
  - (2) It was an isolated incident;
  - (3) The conditions that resulted in the behavior were largely beyond the person's control (e.g., loss of employment, a business downturn, unexpected medical emergency, or a death, divorce or separation);
  - (4) The person has received or is receiving counseling for the problem and there are clear indications that the problem is being resolved or is under control;
  - (5) The affluence resulted from a legal source;
  - (6) **The individual initiated a good-faith effort to repay overdue creditors or otherwise resolve debts.**

## Notes

### Authority

Authority: E.O. 12968 (60 FR 40245, 3 CFR 1995 Comp., p 391).

### Source

Source: 63 FR 4573, Jan. 30, 1998, unless otherwise noted.