Creates a Treasury-run Financial Agent Mentor–Protégé Program that lets large or designated financial agents mentor small financial institutions so those small institutions can serve as financial agents or better serve customers. The Treasury must conduct annual outreach, set rules to exclude participants when appropriate, and the Office of Minority and Women Inclusion must report participation and outreach counts to Congress. The bill defines terms for financial agents, large and small financial institutions, and rural depository institutions, and takes effect 90 days after enactment.