Creates a new federally licensed program that lets specially chartered "ownership investment companies" raise private capital and receive Department-backed guarantees and other leverage to invest in employee-owned firms and worker cooperatives. The bill sets licensing rules, investor and management suitability standards, ongoing reporting and audits, enforcement powers (fines, suspension, receivership), limits on single-company exposure, a Protégé program for inexperienced managers, and a $5 billion annual cap on Department leverage with a 20-year sunset on new licenses.

Establishes SEC and Department rulemaking authority and procedures for issuing guarantees and trust certificates, requires annual reporting to Congress, and imposes detailed governance, conflict-of-interest, valuation, and licensing requirements intended to protect investors and the government while promoting employee ownership.