#aafth ,,congress  #b;d ,session  ,h4   
,r4 #ecae  ,,an ,,act  ,to amend the    
,financial ,institutions ,reform1       
,recovery1 and ,enforcement ,act of     
#aihi to establish a ,financial ,agent  
,mentor-,protg ,program within the      
,department of the ,treasury1 and for   
other purposes4  #a4 ,short title ,this 
,act may be cited as the ,expanding     
,opportunity for ,minority ,depository  
,institutions ,act or the ,expanding    
,opportunity for ,m,d,is ,act4  #b4     
,establishment of ,financial ,agent     
,mentor-,protg ,program  7a7 ,in general
 ,section #cjh of the ,financial        
,institutions ,reform1 ,recovery1 and   
,enforcement ,act of #aihi 7#ab         
,u4,s4,c4 #adfc note7 is amended by     
adding at the end the following new     
subsection3  7d7 ,financial ,agent      
,mentor-,protg ,program  7#a7 ,in       
general ,the ,secretary of the ,treasury
 shall establish a program to be known  
as the ,financial ,agent ,mentor-,protg 
,program 7in this subsection referred to

 as the ,program7 under which a         
financial agent designated by the       
,secretary or a large financial         
institution may serve as a mentor1 under
 guidance or regulations prescribed by  
the ,secretary1 to a small financial    
institution to allow such small         
financial institution-- 7,a7 to be      
prepared to perform as a financial      
agent2 or  7,b7 to improve capacity to  
provide services to the customers of the
 small financial institution4  7#b7     
,outreach ,the ,secretary shall hold    
outreach events to promote the          
participation of financial agents1 large
 financial institutions1 and small      
financial institutions in the ,program  
at least once a year4  7#c7 ,exclusion  
,the ,secretary shall issue guidance or 
regulations to establish a process under
 which a financial agent1 large         
financial institution1 or small         
financial institution may be excluded   
from participation in the ,program4     
7#d7 ,report ,the ,office of ,minority  

and ,women ,inclusion of the ,department
 of the ,treasury shall include in the  
report submitted to ,congress under     
section #cdb7;e7 of the ,dodd-,frank    
,wall ,street ,reform and ,consumer     
,protection ,act information pertaining 
to the ,program1 including--  7,a7 the  
number of financial agents1 large       
financial institutions1 and small       
financial institutions participating in 
such ,program2 and  7,b7 the number of  
outreach events described in paragraph  
7#b7 held during the year covered by    
such report4  7#e7 ,definitions ,in this
 subsection3 7,a7 ,financial agent ,the 
term financial agent means any national 
banking association designated by the   
,secretary of the ,treasury to be       
employed as a financial agent of the    
,government4  7,b7 ,large financial     
institution ,the term large financial   
institution means any entity regulated  
by the ,comptroller of the ,currency1   
the ,board of ,governors of the ,federal
 ,reserve ,system1 the ,federal ,deposit

 ,insurance ,corporation1 or the        
,national ,credit ,union ,administration
 that has total consolidated assets     
greater than or equal to                
#ej1jjj1jjj1jjj4  7,c7 ,small financial 
institution ,the term small financial   
institution means--  7i7 any entity     
regulated by the ,comptroller of the    
,currency1 the ,board of ,governors of  
the ,federal ,reserve ,system1 the      
,federal ,deposit ,insurance            
,corporation1 or the ,national ,credit  
,union ,administration that has total   
consolidated assets lesser than or equal
 to #b1jjj1jjj1jjj2 or  7ii7 a minority 
depository institution4  4  7b7         
,effective date ,this ,act and the      
amendments made by this ,act shall take 
effect #ij days after the date of the   
enactment of this ,act4  ,passed the    
,house of ,representatives ,january #ac1
 #bjbj4;,clerk4