No, you generally do *not* have to drop the fuel tank on a 1986 Oldsmobile Cutlass Ciera to replace the fuel pump. Access is usually from the top, through the trunk. You'll need to remove the access panel in the trunk (usually carpeted), disconnect the electrical connector, fuel lines, and possibly a fuel pump retaining ring, then lift the pump assembly out.
However, some variations exist depending on the specific engine and trim level. It's always best to consult a repair manual specific to your 1986 Oldsmobile Cutlass Ciera to be absolutely sure of the procedure. A Haynes or Chilton manual will provide detailed instructions with diagrams.
