; (B) an insured credit union (as defined in section 101 of the Federal Credit Union Act ( 12 U.S.C. 1752 )); or (C) or a well capitalized State-chartered trust company, designated by the Secretary under subsection (c)(1). (4) Federal bank secrecy laws The term Federal bank secrecy laws means— (A) section 21 of the Federal Deposit Insurance Act ( 12 U.S.C. 1829b ); (B) section 123 of Public Law 91–508 ; and (C) subchapter II of chapter 53 of title 31, United States Code. (5) Qualifying account The term qualifying account means any account established in the Department of the Treasury that— (A) is controlled by the Secretary; and (B) is expected to maintain a balance greater than $200,000,000 for the following calendar month. (6) Secretary The term Secretary means the Secretary of the Treasury. (7) Well capitalized The term well capitalized has the meaning given in section 38 of the Federal Deposit Insurance Act ( 12 U.S.C. 1831o ). 11. Establishment of Financial Agent Partnership Program (a) In general Section 308 of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 ( 12 U.S.C. 1463 note), as amended by section 7, is further amended by adding at the end the following: (e) Financial agent partnership program (1) Definitions In this subsection: (A) Financial agent The term financial agent means any national banking association designated by the Secretary to be employed as a financial agent of the Government. (B) Large financial institution The term large financial institution means any entity regulated by the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, or the National Credit Union Administration that has total consolidated assets of not less than $50,000,000,000. (C) Small community financial institution The term small community financial institution means any financial institution that— (i) has total consolidated assets of less than $3,000,000,000