[Fido969]

Many cops use blue rounds, frag rounds, etc.

Civilians tend to use steel jackets or lead rounds, and the occasional hollow-point.

[bt-99]

I know dozens of civilians who carry all the time and I believe almost all of them carry hollow points of the +p variety. If you are talking about carbine ammo that might be different.

[MileHi]

Civilians tend to use steel gilding metal (copper) jackets or lead rounds, and the occasional hollow-point.