I just reviewed The Rules again. There's nothing about FS chips being required. Such a requirement would limit subjects to a small percentage of the world's aircraft.
To the contrary, The Rules specifically allow the use of written descriptions of the colors. Not every airplane was built in a US mil spec factory. Homebuilts and racers could be painted with one-off concoctions. Even some warbirds were customized with nonstandard paint jobs.
Paul,
In defense of what Fred K and others have written here: Research on the color of a specific full size airplane can be frustrating. However, investing time and going through books, sources of 3-views, plastic kits and painting instructions in those plastic kits, many colors are described in different ways, sometimes, in the case of some plastic kits, the colors, though the model may be of some obscure foreign aircraft, will give color references in terms of our Federal Standard Numbers, Futhermore, that IPMS color guide mentioned earlier in this thread gives a cross reference to practically every known color of all of the world's air forces to an FSN. There is also a Chicago Scalemaster Color Guide which does the same thing. (This may well be the basis for the IPMS book.) Every semi-serious scale builder should have access to one of those publications. The Chicago Scalemasters book has been "deemed acceptable as AMA Scale Presentation material" by the AMA Scale Contest Board. Using FSN color chips identified by such such references will essentially remove all doubt by scale judges in even the most serious scale competitions.
Now, if we are talking about fun scale or even most sport scale events, there is little need to get into the nuances of age and service wear affects on colors, but, for example, there is a myriad of yellows that could be entirely wrong for a given aircraft. If the airplane is a factory Piper Cup, the yellow should be something similar to a Cub yellow, not a screaming neon yellow.
But for those who are getting into sport scale or some form of precision scale, part of the process of preparing a miniature aircraft is to get the appropriate colors and the appropriate documentation for those colors. That is as important as getting the 3-view documentation and photographic documentation for the outline and details represented by the model aircraft. The model that has what appears to be more appropriate colors and the docmentation to backup those colors will normally score better, at least in regard to the coloring and morkings portions of the competition than the model without such an appearance and/or documentation.
Keith