In reality, the FLC is a loanshark operation, baring accusations by the Hub police of extortion, with several thousand hubcaps on hand stored in the safe of the organization's main office in the Hub's downtown area. The FLC is managed by Lorenzo "the Munificent" Giovanni, under the control of Decker whose philosophy of being a respectable business man is summarized by his words "You don't show us respect, you get hurt. How much more respectability can a man ask for?"
FLC gives out loans on a graduated scale of 200 hubcap units, at an interest rate of 10% of the original loan, with a maximum of 1,000 hubcaps; potential customers must build a credit base at each 200 hubcap level to be able to receive a loan on the next additional 200 hubcaps. FLC allows up to 10 days before the loans are due.
- Lorenzo and his guards can be killed without angering the Hub police, as long as the fighting is kept off the streets.
- Two more guards, Avery and Richie, were going to appear but were cut from the final version of the game.