Lyle

Lyle (ホンマさん, Honma-san) is the insurance agent that appears in both  and. He is a blue, spectacled weasel with large whiskers and a hunched appearance. He works as an insurance man in Wild World, selling insurance and giving refunds on forged paintings. In City Folk, he has a new job, working for the Happy Room Academy headquarters in the city. His species is based off another name for a scammer, a "weasel."

In Animal Crossing: Wild World
Lyle makes his first appearance in working as an insurance salesman. He appears every Saturday outside the player's house to take a survey. He will follow the player for a time if they do not talk to him immediately, a sign of his persistent nature. Upon talking to him, he will ask a number of unanswerable questions, forcing the player into signing a health insurance policy. The only way to avoid this is either by declining to take the quiz or by not having sufficient funds (which will "bust his chops"), though it is thought to be possible to answer the questions and have sufficient funds without being forced to buy insurance. In order to do this the answers must be answered positively.

By paying 3,000 Bells for insurance, the player will receive 100 Bells every time they are injured. This includes: Tripping and falling, or getting stung by bees. However, players can only receive the 100 Bells bonus once per day. A further payment on the following Saturday will result in the player receiving compensation of 100 Bells if they buy a counterfeit painting, but only if the painting itself is presented to Lyle himself.

Normal villagers sometimes warn of a health insurance scam operating in the area, which is a reference to Lyle and his scamming techniques.

Some Jock villagers also say the same thing - they talk about how this "guy" came and asked him if he wanted his muscles insured. They first that they said no, "Because whoever's heard of insuring your muscles" and then another villager telling him it was a scam.

He is also believed to be working with Redd, scamming people out of money. In his questionnaire, Lyle asks for what date Redd should appear in the town, after which Redd will appear on that day,  but dubiously denies any connection with him. he give the choices of every day of the week except Saturday. Lyle will also appear at the roost from 12:00 PM to 1:30 P.M. on a Sunday.

''ADVICE: Try not to take Lyle's insurance. It's a rip-off. At 3,000 Bells, you only get payed 100 Bells if you have an accident. If you shake trees, sometimes you get 100 Bells anyway, for free. If you do get stung by a bee's nest, save your game and turn off, then re-open and your sting would've disappeared. ''

In Animal Crossing: City Folk
Lyle appears to have a more respectable job in, working in the Happy Room Academy Headquarters in the city. He will mention how much he hates his new job, and frequently talks of his old, "high-flying" lifestyle. He seems to be calmer, possibly to fit in with his new 'happy' job and only makes a reference to 'bustin' his chops' once, if the player refuses to join the HRA. When talked to, his persistent nature leads him to continue talking with the player until they agree to join the Happy Room Academy. If the player's house becomes the model room, he states (if they decide to discuss the model room with him, not the eval) that he is trying to love his new job. An advert for the HRA, with his picture on it, can be seen in the bus, behind Kapp'n's seat.

He makes no reference to his past lifestyle in other than his frequent complaints and mentions of his old office when the player first talks to him. He does not talk about Redd or Crazy Redd's, which is located nearby, which leads many to speculate that he was caught for fraud, and has to work for the HRA which explains why he does not enjoy his work. Also he does not appear at the roost anymore.

At the Happy Room Academy Headquarters, the player can also speak with Lyle in order to find out their current "HRA evaluation" or stop the weekly flow of evaluation letters.

It is suggested that he used to be a grave-digger or fossil hunter, because if the player's house becomes the model room and has a particularly valuable fossil in it, Lyle will say that he used to dig up bones in 'the yard.. not the backyard, the other yard...', implying that it was a graveyard he used to dig in.

Lyle constantly jumps to the word 'Bang'. When the player asks about their latest eval (evaluation), he will tell the player how many points they've earned for their house. (This will also be mentioned in a letter the player recieves after evaluation day.) Towards the end of the conversation he will say 'You got ideas? Good. Great. Wonderfull. Bang.' This word gets quite annoying if you've been a member of the HRA for a while- about a few days.

In
Lyle makes a small appearance in. He is seen in the background of the fireworks festival when K. K. Slider is singing on stage. He wears the same suit as his appearance in Animal Crossing: Wild World. He does not talk and makes no other appearance in the film.

Trivia

 * When riding the bus to the city, you can see a picture of Lyle talking on the back of Kapp'n's seat. This is most likely an ad for the HRA.
 * When asking about the model room, and he says your room is featured, he will say "Lyle's starting to love this job! Look at him dance!"