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Press Release​s​

Ginnie Mae Announces Implementation Date for Digital Collateral Commingling in Ginnie Mae Pools
Published Date: 5/20/2024 10:45 AM

​WASHINGTON, D.C.— Today, in All Participants Memorandum (APM) 24-07, Ginnie Mae announced that it will now permit the securitization of Digital Collateral into the same pools as its traditional paper collateral (commingling), effective with June 1, 2024, issuances.

Ginnie Mae implemented the Digital Collateral Program pilot in July 2020 in response to industry requests to optimize Issuer digital environments as well as to align with existing policies and practices. Since then, Ginnie Mae has permitted securitization of Digital Collateral in digital-only pools or loan packages, while it established processes to monitor the growth of the new program. The introduction of commingling is designed to promote liquidity and further increase participation in the Digital Collateral Program. Commingling also supports the Department of Housing and Urban Development's (HUD) Strategic Plan with respect to the modernization and digitalization of the Mortgage-Backed Securities (MBS) program.

Ginnie Mae will publish an updated eGuide reflecting this change to coincide with this announcement and provide further updates. Digital Collateral will continue to be eligible for the same pool types for which they are currently eligible, as published in Ginnie Mae's Digital Collateral Guide.

“This significant milestone for our Digital Collateral Program marks Ginnie Mae's continued efforts to modernize our Mortgage-Backed Securities (MBS) program," said Acting President Sam Valverde. “As the housing finance industry continues to evolve, we remain committed to using technology to support Issuers, borrowers, and the taxpayer."

For more information regarding the transition to the new reporting requirements, see APM 24-07​.

If you have any questions regarding the policy changes in this announcement, please contact your account executive in the Office of Issuer and Portfolio Management or email

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About Ginnie Mae


Ginnie Mae is a wholly owned government corporation that attracts global capital into the housing finance system to support homeownership for veterans and millions of homeowners throughout the country. Ginnie Mae MBS programs directly support housing finance programs administered by the Federal Housing Administration, the Department of Veterans Affairs, the Department of Housing and Urban Development's Office of Public and Indian Housing and the Department of Agriculture Rural Housing Service. Ginnie Mae is the only MBS to carry the explicit full faith and credit of the U.S. Government.