http://www.dedalo-3d.com/MakeHuman(C) is an open-source, open graphics library, stand-alone, multi-platform, software program, which is completely written in C++ language. Its purpose is to provide a **versatile**, **professional** and extremely **specialized** application for **parametrical** modeling of three-dimensional humanoid characters.
Seriously... Free humanoid models? Virtually fully customizable? This is HUGE for most indy game developers. Even if you don't intend to use them in your final game, use them as place-holders for proof of concept demos!
I've tried it... it exports to .OBJ format, which was able to be viewed in Deep Exploration and converted in to .x format. I have not yet tried converting it to TVA.
I also don't know what kind of animations this character has built in, if any... but hey, it's still a fully-rigged 3D model of a humanoid!