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Oh...well, I was hoping it'd be obvious. I'm the official accountant for the Family. Pretty important job, y'know? I got it from my pop!

William Bertucci,[2] commonly known as Billy Beltbuckles, is the chief operating officer[1] of the Lombardi Family in Atlantic City, though his duties more closely resemble that of a glorified accountant. He is a supporting character in Fallout 76, introduced in the Expeditions: Atlantic City update part one, Boardwalk Paradise.


The pitiable, neurotic Billy is the official accountant for the Lombardi Family, thanks to his father Carmine's position in the mob (a capo).[3] As such, he works with the Lombardi's accounts every day, keeping track of income and expenses to determine the profits and the amount of dues the mobsters owe to the Munis and the Showmen.[4] Billy has done a phenomenal job, cutting costs in multiple areas, e.g. through bribery (a Muni electrician diverts more power off the books, yielding a 15% reduction), recycling (a water recycler cuts water usage in half, at a minor deterioration in quality), and alternate sources for food and alcohol (quite a bit cheaper, though of questionable provenance). Concerta Lombardi remains quite satisfied with his performance,[5] though Billy too remains terrified of her.[6]

While he had hoped that the job would focus on managing finances and optimizing costs, i.e. things that he is actually well cut out for,[7] it turned out to be far more than what he bargained for.[8] Concerta asked him to cook the books to cover up excessive medical costs and medication, to the tune of 11,500 caps at first.[9] His father did not tell Billy about the "extra responsibilities," and it occurred to Billy eventually that Carmine might have been unaware of what his son would wind up doing.[10]

Billy had no choice but to alter the income records to cover up and reduce the amount of dues the mob pays to the other two factions, the Munis and the Showmen. Citing desperate times as the reason, they expected Billy to do his job and not ask any questions, and he obliged. At the same time, he painted a target on his back, as swindling the other groups is not tolerated in Atlantic City,[11] with the punishment being the death of the person responsible for the violation.[12] Billy is ashamed and disgusted of what he has been forced to do, but that scarcely matters to others.[13] Neither does it matter that he largely did it to make his father appreciate him (or at least stop being so angry).[11] Billy is trapped, however, as if he refuses to follow orders, he dies.[14] If he follows along, the forgeries may come to light, resulting in the whole peace treaty unraveling and his death, as the peace treaty is the only thing keeping him alive.[15]


In general, Billy is poorly cut out for life in the mob. He detests killing, to the point that accidentally crushing a beetle a few years earlier left him in tears for two hours.[16] He is also very sensitive in an environment full of thugs, which results in him being anxious and tense all the time. Even the nickname, which may be seen as being better than Sal Sticky Fingers', is cause for anxiety; while Billy tries to turn it around, claiming it is because he is the most secure and trustworthy accountant around, it has its origins in an unpleasant incident.[17]

Furthermore, despite his position, he is cut out of many perks of the job,[18] and cannot really invoke mafia protection (though in the case of his mistakes in hiding the records, doing so would also mean admitting a mistake and likely leading to all-out war).[19] Billy finds himself unable to confide in anyone, including his former best friend, Sal. Making matters worse, all of this leads to unpleasant effects on Billy; the stress of the situation he is stuck in,[20] living with a target on his back and in fear of the other factions,[21][22] and constantly being around people he is terrified by is causing him many problems. He became very forgetful, to the point of forgetting his own password for the terminals holding the doctored books. He has not written it down because of, as he says, a cramp in his writing wrist.[23] He would much rather do an honest job, for example, working for the Munis.[24] Billy is actually in awe of all the work they do and respects Timothy Lane deeply,[25] while he remains stuck working for the mafia, leaving him angry, frustrated, and since he is sworn to secrecy, without an outlet.[26] He is also noticeably nervous of letting secrets slip[27] and has multiple phobic tendencies,[28] as well as difficulty understanding seemingly obvious concepts,[29][30] though he does possess a knack for observation (though he often cannot deduce the meaning of what he observes).[31]


Overall, Billy is just miserable and regrets his choices in life.[32] One of those he regrets the most is considering Sal Sticky Fingers his best friend and confidante. What was once a close friendship turned sour and Billy was forced to cut him out of his life.[33] The reason lies in an unpleasant incident shortly after Billy was made accountant.[34] One night at Quentino's Night Club, Sal decided to play a practical joke on Billy and pull down his pants. Due to his condition, however, Sal wound up tearing Billy's pants off, causing him to panic and run around the club screaming, with his underwear on display. The humiliation before the entire Lombardi Family left Billy traumatized. Since then, he started wearing multiple belts together with suspenders to ensure that it would not happen again.[35]

Billy is a prized customer at Richard's Haberdashery in the flooded city center, where he bought the first batch of his brahmin leather belts (in chestnut brown, mahogany, and black) together with replacement buckles.[36] He claims to never take the pants off anymore, even under a shower.[37] He has not told anyone about specifically why he is wearing so many belts,[38] but considers them paramount to his safety, even if they make dressing in the morning a chore. He has actually considered sleeping with the belts on him.[39]

Sal, for his part, does not realize that what he did was wrong and has not felt the need to make amends or at least apologize to Billy.[40] Billy blames Sal's prank for much of what has happened to him since,[41] which is not too far off the mark. While Concerta has sympathy for Billy and reprimanded Sal for his actions,[42] Billy's obsession with belts has become severe enough that his own father is warning him that he is becoming a running joke among the mobsters,[43] and Fabio Mondadori has suggested replacing Billy due to his mistakes and seeming incompetence.[44][45]

Interactions with the player character[]

Interactions overview[]

FO76 ui icon quest
This character is involved in quests.

Tax Evasion


  • Tax Evasion: Billy is the hapless accountant currently threatened by both the Showmen and the Muni auditors. Since he cannot invoke the protection of the mob, he has to rely on the Vault dwellers for help.


Apparel Weapon Other items
Buckled Up Handmade rifle (random automatic model)


Billy Beltbuckles appears only in Fallout 76, introduced in the Expeditions: Atlantic City update part one, Boardwalk Paradise.

Behind the scenes[]

When writer Stephanie Zachariadis asked the development team for a good name for a mobster, lead quest designer Joshua Moretto replied with Billy Beltbuckles. Moretto initially envisioned a character who wrapped belts around his hands and punched people with the buckles. Zachariadis, however, interpreted the name to belong to a character who was obsessed with belt buckles, leading to the genesis of Billy's character.[Non-game 1] A similar character creation process played out with the name of Buttercup.[Non-game 2]



  1. 1.0 1.1 The Neapolitan Casino terminal entries; Concerta's terminal, Re: Missing Auditors
  2. The Neapolitan Casino terminal entries; Billy's personal terminal, UNKNOWN USER - New idea!!
  3. Vault 76 dweller: "What is it that you do here?"
    Billy Beltbuckles: "Oh...well, I was hoping it'd be obvious. I'm the official accountant for the Family. Pretty important job, y'know? I got it from my pop!"
    (Billy Beltbuckles' dialogue)
  4. Vault 76 dweller: "So what do you do as an 'accountant'?"
    Billy Beltbuckles: "A better question is, what do I not do? Uh, well, you know. I do math. Totally. It's all math. I write things down. A lot. Yeah. Normal accountant stuff."
    (Billy Beltbuckles' dialogue)
  5. The Neapolitan Casino terminal entries; accounting terminal, Outgoing Costs
  6. Billy Beltbuckles: "Everyone says Concerta's a scary woman not to be reckoned with. They're right."
    (Billy Beltbuckles' dialogue)
  7. Vault 76 dweller: "What did you think the job would be?"
    Billy Beltbuckles: "Y'know, like, math! I thought I'd be doing calculations and managing finances. That's what an accountant is supposed to do!"
    (Billy Beltbuckles' dialogue)
  8. Billy Beltbuckles: "I'm the accountant for the Family around here. But the job is uh...not what I thought it would be. I could really use your help."
    (Billy Beltbuckles' dialogue)
  9. The Neapolitan Casino terminal entries; Billy's personal terminal, Lombardi, C - Need your help
  10. Vault 76 dweller: "How did you even get this job?"
    Billy Beltbuckles: "My pop's a capo. He gave it to me. 'Course, he didn't tell me about all the 'extra' responsibilities I'd have. Sometimes I doubt he even knows. Things have changed a lot lately."
    (Billy Beltbuckles' dialogue)
  11. 11.0 11.1 Billy Beltbuckles: "My job itself. I don't think I can do this. I thought being an accountant was all about money. Turns out, it's not. I handle the money. But there's been uh, expectations put on me that I wasn't aware of. 'Desperate times call for desperate measures', they said. Except it all flows downhill to me, and it's not really my wheelhouse. I could really use your help taking on these extra responsibilities. And then my dad won't be mad at me!"
    (Billy Beltbuckles' dialogue)
  12. Vault 76 dweller: "The Wise Guys let the Showmen into the casino, just like that?"
    Billy Beltbuckles: "The triad have a peace deal. We can't disallow any Munis or Showmen from being on our turf. They can't ban us from theirs, either. Trouble is, they've overstayed their welcome. They found things they didn't like, and now they want to kill me."
    Vault 76 dweller: "If there's a peace deal, why are they allowed to kill you?"
    Billy Beltbuckles: "See, uh, part of that peace deal talks about us paying equal dues to each other. If that is violated, then the harmed parties are allowed to whack whoever's responsible. And uh... I'm responsible."
    (Billy Beltbuckles' dialogue)
  13. Vault 76 dweller: "You don't seem too sure about that."
    Billy Beltbuckles: "Uh, well, look. Between you and me, I don't do any of that. I thought that's what this job would be when my pop gave it to me. But man, was I wrong! They want me to cook the books so they don't have to pay up to anyone. We're not supposed to cheat the others. Not this bad, anyway. Things have changed here lately."
    (Billy Beltbuckles' dialogue)
  14. Vault 76 dweller: "Why does everyone want you dead?"
    Billy Beltbuckles: "Isn't it obvious? I've been forging numbers and hiding their dues to get the Family out of paying. This is unprecedented. The Family's never cheated them this much before. But it's not intentional! I'm just...I'm just following orders. I'll be sleeping with the fishes too if I don't do this."
    (Billy Beltbuckles' dialogue)
  15. Vault 76 dweller: "How does the Family deal with them?"
    Billy Beltbuckles: "Well, we all have a peace deal! We don't attack each other outright. See, the city survives because we all rely on each other. Without one, the others would all crumble. So we've gotta respect that. Even if we don't always agree with each other. It's probably the only reason I'm still alive!"
    (Billy Beltbuckles' dialogue)
  16. Vault 76 dweller: "You don't look like much of a mafioso to me."
    Billy Beltbuckles: "Listen, I'm trying my best here! I'm not even a real mafioso. My dad is, and he got me this job. I just don't like killing, is all. I stepped on a beetle a few years ago. I cried for two hours. Do I look like someone who belongs here?!"
    (Billy Beltbuckles' dialogue)
  17. Billy Beltbuckles: "They call me Beltbuckles because I'm the most secure and trustworthy accountant around."
    (Billy Beltbuckles' dialogue)
  18. Billy Beltbuckles: "Wish I could get into the VIP section. I wonder what they talk about there."
    (Billy Beltbuckles' dialogue)
  19. Tax Evasion
  20. Billy Beltbuckles: "I didn't expect this job to be this...hard! Should've been cushy."
    (Billy Beltbuckles' dialogue)
  21. Billy Beltbuckles: "Hey, you're not a Muni, are you? Not that it's a problem or anything. I just. Well. I hope you're not."
    (Billy Beltbuckles' dialogue)
  22. Vault 76 dweller: "Tell me about the Showmen."
    Billy Beltbuckles: "They're entertainers, mostly. They run all the shows and whatnot by the boardwalk. They sound harmless, but they're actually the total opposite. Word is that they 'take care of' anyone who crosses them. That may or may not include me. Their shows also tend to be really dangerous. Let's just say, viewer discretion is advised."
    (Billy Beltbuckles' dialogue)
  23. Vault 76 dweller: "I can't believe you forgot your password."
    Billy Beltbuckles: "I know, I know! Everyone said I should just write it down. But I've got a cramp in my writing wrist."
    (Billy Beltbuckles' dialogue)
  24. Billy Beltbuckles: "Sometimes I think I'd like working for Mayor Tim a helluva lot more than the Family."
    (Billy Beltbuckles' dialogue)
  25. Vault 76 dweller: "What's your take on the Munis?"
    Billy Beltbuckles: "The Munis? If their auditors weren't always trying to ki-I mean, talk to me, I'd love them. They keep this city running and all of our customers alive. And we don't even have to lift a finger. It's great! Mayor Tim is in charge of 'em all. I've never met him personally, but I hear he's a great guy. You don't wanna mess with him though. He's tough as nails."
    (Billy Beltbuckles' dialogue)
  26. Vault 76 dweller: "You're dumb, but you're not this dumb."
    Billy Beltbuckles: "Listen, don't talk so loud. Yeah, it's crime. We all know that. You think I was born yesterday? But it's worse than usual. That's all I'll say."
    (Billy Beltbuckles' dialogue)
  27. Vault 76 dweller: "[Lie] Nah, I was just kidding. It's a legitimate business, like you said."
    Billy Beltbuckles: "Hey, don't mess around like that! You had me going for a second!"
    (Billy Beltbuckles' dialogue)
  28. Billy Beltbuckles: "I've been told I have a lot of phobic tendences, whatever that means."
    (Billy Beltbuckles' dialogue)
  29. Billy Beltbuckles: "If Don Quentino is the Godfather, then who is the Godson?!"
    (Billy Beltbuckles' dialogue)
  30. Billy Beltbuckles: "This gun is broken. It says it's an automatic but it doesn't even load itself!"
    (Billy Beltbuckles' dialogue)
  31. Billy Beltbuckles: "Haven't heard much from Don Quentino in a while. Maybe I should send him a card!"
    (Billy Beltbuckles' dialogue)
  32. Billy Beltbuckles: "Hey, do you ever feel like...like you're on the wrong path?"
    (Billy Beltbuckles' dialogue)
  33. Billy Beltbuckles: "You ever cut a bad friend out of your life? It ain't easy."
    (Billy Beltbuckles' dialogue)
  34. The Neapolitan Casino terminal entries; Billy's personal terminal, Personal Logs, Entry 2
  35. Sal Sticky Fingers: "Kid's too damn sensitive, that's why! All right, well, we maybe had a little altercation some time ago. He's so wound up, I thought it'd be funny to do a little prank and uh, pants him. Problem is, I'd just ate some honey. These gavones 'round here keep saying my hands are always sticky. It ain't sweat, it was honey, all right?! So I goes to grab Billy's pants to pull 'em down, but my fingers got stuck to 'em. So when I yank down... I ripped the kid's pants clear off. He was runnin' around the club like a chicken with his head cut off screamin' about how he didn't want anyone seeing his underpants. *chuckles* I mean, it was pretty funny. Since then, I guess it messed him up good, 'cuz he wears like fifty belts on his pants every day. And that's why the boys all call him Billy Beltbuckles now."
    (Sal Sticky Fingers' dialogue)
  36. The Neapolitan Casino terminal entries; Billy's personal terminal, Inbox, Richard's Haberdashery - Thank you for your order!
  37. Vault 76 dweller: "What do you mean by that?"
    Billy Beltbuckles: "I had a very...traumatic experience. Right here in this very club. The end result was me being totally humiliated in front of the whole Family. Now? I don't even shower without these pants on."
    (Billy Beltbuckles' dialogue)
  38. Vault 76 dweller: "Why are you wearing so many belts?"
    Billy Beltbuckles: "I'm protecting my decency, thank you very much. People around here don't have any respect, and that results in pants falling when they shouldn't. I've got all these belts to protect myself."
    (Billy Beltbuckles' dialogue)
  39. Billy Beltbuckles: "You have no idea how long it takes me to get dressed in the morning! My safety is paramount, of course."
    (Billy Beltbuckles' dialogue)
  40. Vault 76 dweller: "Where can I find Sal?"
    Billy Beltbuckles: "Oh, he's here in the club! You'll find him at the bar. Just... don't trust him. He's awful."
    (Billy Beltbuckles' dialogue)
  41. Vault 76 dweller: "You seem to mention Sal a lot."
    Billy Beltbuckles: "Oh, that good-for-nothin', cheating, lying.. Let's just say that Sal is the reason I am the way I am. In every capacity. If you want to know more, you can ask him about it. I don't want to talk about it."
    (Billy Beltbuckles' dialogue)
  42. To Sal
  43. Letter to Billy
  44. The Neapolitan Casino terminal entries; Billy's personal terminal, Personal Logs, Entry 1
  45. The Neapolitan Casino terminal entries; Concerta's personal terminal, Inbox, Fabio: Replacing Billy


  1. Fallout 76 –America's Playground Developer Deep Dive (10:30)
  2. Fallout on Twitter: "Ever wonder how the name Buttercup came to be?
    Well, wonder no more with this bonus dev dive clip! #Fallout76"