Accounts and passwords can be created/managed via script.
And record level access control can be used to restrict a given account or privilege set to a specific record or set of records.
See "Editing record access privileges" in FileMaker Help and check out this particular sub section: "Entering a formula for limiting access on a record-by-record basis" for a description of how to set this up.
Thanks, Phil! I'll take a look at that shortly!!
I created a script that made an complex password for a couple of hundred IDs then new accounts associated with those passwords and privelege set. Was a cinch! :)