What it boils down to is the FMCA Tire program is Michelin National Account pricing. This is very similar to dealer pricing. Dealers are not obligated to inform you about this program.
FMCA has National Account status and accepts your payment, then directly pays Michelin. Michelin ships your tires to the desired dealer for installation.
Many Michelin dealers do not like the program and become unfriendly when you persue the issue, because it cut's them out of the sale of the tires.
Believe me, ALL dealers know what this is.
The best approach is to find a dealer that will do the labor of the mounting and balancing of customer provided tires, and make your best deal with them.