Ok, been thinking about the mugshot thing a lot - Fallout world resembles old american wild west a lot, so I am gonna draw parallels from that...
On the wild west, there WANTED posters of outlaws, usually with a price on their head. This isn't really applicable to FOnline universe, since there is no single authority like sheriffs - outlaws have their WANTED posters too.
On the other hand in wild west there were numerous places which propagated themselves to visitors and customers. The analogy to FOnline isn't too clear in this case - it is practially impossible to maintain a public place, like a shop, bar or a town - they change ownership too often. So instead of places, we have faces - if you can recognize TTTLA members guarding a town, you may consider it safe, if you are not an outlaw to them.
These two features today are provided by name colorizing.
Using the innovative system we discussing this feature would be provided in game, by pipboy. Imagine pipboys were a very common accessory in the pre-war world of Fallout (they had energy weapons and power armors after all), much like iPhones, Android phones and whatever are becoming today. Since the war probably has wiped out all the satelites on the orbit, we are kinda disconnected, have to use radio etc...
So there would be an pipboy management agency lets say in NCR which not only sells and repairs pipboys but manages data which users can download - sort of digital library, poor wastelanders internet. This agency would manage the mugshots... for a fee you could submit your own depiction with name to the database so everyone recognized you.
Or, out in the wild you could take a depiction of someone (kinda like those angel/devil coloring buttons). Whether the person introduced to you or not, the agency won't accept your depiction and associated information with it - like name, name coloring etc, because stuff is relative, they have no reason to trust you.
Factions and individuals could have accounts in the database where they could manage the depictions and their associated information. It would get really complex when dealing with distrubiting and merging these data... I really don't think creating such complex in game system is a good way to spend time as a developer.
So I think best would be just that players keep their name coloring and name records in their pipboy and it could be exported and loaded from file like NameColoring.txt now is. That file would contain internal server ID of the character, it's known name (optional) and coloring (optional).
This would be nice way for gangs to manage lists of their members, friends and enemies, while not breaking the original idea.