Establishing the Maryland Baby Bond Account Program in the Office of the State Treasurer; establishing the Baby Bond Account Fund as a special, nonlapsing fund; specifying the purpose of the Fund is to provide money to eligible individuals to address wealth disparities in the State; establishing the Baby Bond Account Board; requiring the Governor to appropriate $70,000,000 to the Fund for fiscal year 2023; requiring the State Treasurer to establish and make certain deposits into certain accounts for eligible individuals; etc.