Modernization Initiatives

Ginnie Mae continues to modernize its Securitization Platform technology, processes, and related policies in response to the growing need for improved service delivery to its Issuers and investors, creating a fairer, more affordable and equitable housing finance system. Toward this goal, Ginnie Mae is transforming its platform operations to deliver greater business value.

Our migration to a public cloud is the foundation for our modernization and transformation initiatives. Ginnie Mae's efforts were recently acknowledged by peers in the technology industry when the agency was named a 2022 CIO 100 award recipient, recognition assigned to organizations that exemplify the highest level of operational and strategic excellence in information technology. This transition to a mature public cloud enhances Ginnie Mae's ability to respond to market changes and develop new products that help America's homeowners and renters.

Ginnie Mae has continued to invest in technology modernization and optimization efforts designed to simplify doing business with us. We expanded the functionality and value proposition of MyGinnieMae, our business processing hub, by launching important pooling tools for single- and multi-family as well as Platinum securities, helping to streamline those products. Additionally, we incorporated a state-of-the-art centralized helpdesk into the portal that significantly enhances the customer experience.

The broad details of these efforts were outlined in the 2022 Annual Report, an article by Barbara Cooper-Jones, SVP of Enterprise Data and Technology in the Ginnie Mae Housing Analysis & Policy Spotlight (HAPS) blog.

Technology modernization powers Ginnie Mae's enhanced securities disclosure. Enhanced disclosure of the mortgages underlying Ginnie Mae MBS give a clearer picture of Ginnie Mae's market-leading support for affordable housing and first-time homeownership, key visibility tools for investors interested in making Social investments as part of their broader Environmental, Social and Governance portfolio targets.

In addition to increasingly deeper data into the Social aspect of Ginnie Mae's MBS, technology driven data tools help Ginnie Mae report out the way its securities further Environmental investment goals portfolio managers may have. Overall, Ginnie Mae's ESG disclosure are aligned with the Biden-Harris Administration's commitments to affordable housing and environmental sustainability.

For an additional list of documents, publications, processes and further information regarding our modernization effort, please refer to technology and modernization articles published in the HAPS blog and in the tables below.

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‭(Hidden)‬ Reporting Feedback System (RFS) Expanded Loan Level Data Collection

On May 26th, 2023, Ginnie Mae announced the Additional Reporting and Feedback System (RFS) Loan Level Data Elements via APM 23-05. The RFS Expanded Data Collection Initiative aims to enhance existing Investor Reporting that will fill critical operational and disclosure data gaps needed to increase accuracy and efficiency of Ginnie Mae’s monthly investor reporting and align with industry standards. The enhancement will allow for expanded data collection of 11 additional and 1 updated existing Single Family (SF) and MultiFamily (MF) data elements as stated in the APM.

The additional loan level data elements will provide the following benefits:

Allow greater accuracy in RFS pool/loan accounting payment calculation for operations
Provide essential metrics for disclosure to the capital markets
Enable greater ability to monitor MBS collateral
Assist in the path towards loan level details

This implementation effort is not solely focused on Ginnie Mae Issuers, but also their servicing platform providers, subservicers, as well as in-house software platforms reporting to RFS. The term Testing Organization will be used to describe all participants in the testing and implementation phases.

Testing Organizations are expected to use the information and tools provided on this page to prepare for the new data collection. For additional information and questions, please email askGinnieMae@hud.gov or call Ginnie Mae Customer Support at 1-833-466-2435.

Timeline - Schedule of key dates and events related to the adoption of RFS Expanded Data Elements
Document	Publish Date
RFS Expanded Data Timeline	11/xx/2023

Related Communication - Vehicles describe how information will be communicated to stakeholders for the RFS Expanded Data initiative.
Publication Name	Publish Date
APM 23-05 Additional Reporting and Feedback System (RFS) Loan Level Data Elements	5/26/2023
Modernization Bulletin #XX:	11/xx/2023
APM 24–03Clarifications to Reporting and Feedback System (RFS) Loan Level Data Elements Announced in APM 23-05	03/11/2024
Modernization Bulletin #XX	TBD
APM 24-XX Reporting Required for Additional Reporting and Feedback System (RFS) Loan level Data Elements	7/1/2024

Technical Implementation Resources - The Technical Implementation Resources will consist of documents to assist Testing Organizations in setting up their systems for the new data elements per required specifications.
Resource Name	Release Date
RFS Additional Data Elements Registration Form	03/14/2024
RFS Additional Data Elements Test Plan	03/14/2024
Appendix VI-19	03/14/2024

Trainings and Instructions – Will consist of several training videos for Testing Organizations on file uploading procedures and testing information.
Resource Name	Release Date
File Testing Instructions	12/1/20223
September 2023 Issuer Outreach Call Presentation	9/21/2023
September 2023 Issuer Outreach Call Video	9/21/2023
February Modernization & Issuer Outreach Call Presentation	2/8/2024

FAQs / Common Inquiries
Resource Name	Release Date
Frequently Asked Questions	12/1/20223
Quick Reference Cards (QRCs)	TBD

‭(Hidden)‬ Digital Collateral Program

In June 2018, Ginnie Mae announced it would develop and implement the technology and operational capabilities necessary to accept digital promissory notes and other digitized loan files as collateral for Ginnie Mae securities (Digital Collateral Program). As a part of that effort, Ginnie Mae kicked off a series of strategic workstreams to define the Digital Collateral functionalities sought by industry. This section contains guidance, training materials, forms, and other announcements, which together, inform MBS Program Participants about the policies, processes, and requirements for participation in Ginnie Mae’s Digital Collateral Program.

Outreach Calls/Trainings

Topic	Call Information	Date
Issuer and Document Custodian	Digital Collateral Outreach Call	June 9, 2020

Guides

Topic	Date
Digital Collateral Program Guide	07/16/2020

APMs

Topic	Date
APM 20-10: Digital Collateral Program Launch	07/16/2020

Appendices

Appendix Number	Title
Appendix V-07	Ginnie Mae Digital Collateral Program Guide
Appendix V-08	eIssuer Application to Participate - Digital Collateral Program
Appendix V-09	eCustodian Application to Participate - Digital Collateral Program

‭(Hidden)‬ MyGinnieMae

The MyGinnieMae portal, is a single gateway to all Ginnie Mae’s systems, applications, that boosts efficiency for our business partners. The portal provides enhanced security and a single entry-point to all modernized and active legacy applications for individual users, as well as a seamless user registration and access request process for both the user and the approving authority. As of 9/1/2020, all Ginnie Mae systems users are required to have MyGinnieMae credentials.

For MyGinnieMae user manuals, job aids and training, please visit the Tools & Resource tab under Issuer Training on GinnieMae.gov. For general questions about the portal please contact CXG@HUD.gov and for technical assistance with accessing the portal, please contact Ginnie Mae Customer Support at 1-833-GNMA HELP /1-833-466-2435 or ginniemae1@bnymellon.com.

CALENDAR - Schedule of key dates and training activities for the full release of the MyGinnieMae portal.

Publication Name	Audience	Publish Date
Legacy Credential Removal Dates	All MGM Users	07/29/2020

‭(Hidden)‬ Single Family Pool Delivery Module (SFPDM) - MISMO

The Mortgage Industry Standards Maintenance Organization (MISMO), a technology standards development body, has created a data standard and XML specification for mortgage related data. The MISMO standards are grounded in an open process to develop, promote and maintain voluntary electronic commerce procedures and standards that allow mortgage lenders, investors in real estate and mortgages, servicers, industry vendors, borrowers, and other parties to exchange real estate finance-related information and eMortgages more securely, efficiently and economically (source: www.mismo.org).

In order to support effective data exchange, MISMO standards encompass the entire loan life cycle, including origination, servicing, loan delivery and investor reporting, thereby creating a holistic view of loan and pool delivery data. Along with promoting data exchange between business partners, MISMO standards improve the quality and accuracy of the data exchanged by providing a common set of business terms and definitions.

Ginnie Mae has created the Pool Delivery Dataset (PDD) which leverages the MISMO Residential Specifications Version 3.3 Reference Model. Ginnie Mae’s PDD is a subset of the MISMO reference model data points and provides a comprehensive list of data points for single family at issuance pool delivery data. However, Ginnie Mae’s PDD is specific to Ginnie Mae’s business model and therefore contains some unique data points that may not be a part of other MISMO compliant datasets within the mortgage industry. The new PDD is an XML based file and applies to single family forward loans only. The file does not apply to HMBS reverse mortgages.

Related Communication
Publication Name	Publish Date
Modernization Bulletin 10: Announcing the SFPDM 18-Month Adoption Window	01/31/2022
APM 22-02: Single Family Pool Delivery Module (SFPDM) Adoption for Single Family and Manufactured Housing Program Issuers	01/31/2022
Modernization Bulletin 7: Business Rules and Error Guide	08/19/2021
Modernization Bulletin 6: Validation and Testing Tool (VTT) Training	02/22/2021
Modernization Bulletin 4: PDD Implementation Guide and Specification Update	01/28/2021
Modernization Bulletin 2: Update on the SFPDM and PDD Adoption Effort	08/04/2020

Technical Implementation Resources
The PDD "Implementation Guide" and its appendices are technical resources provided to help you develop and test the new Pool Delivery Dataset (PDD). The "Appendix B - Usage Scenarios" and "Appendix C - XML Examples" are updated each month to align with the passage of time during ongoing development and testing efforts. If updates are made to the PDD XML technical specifications, those changes will be detailed in the "PDD Implementation Guide" and applicable appendices.
Resource Name	Release Date
PDD Implementation Guide	01/28/2021
PDD Implementation Guide: Appendix A - XML Data Requirements	01/28/2021
PDD Implementation Guide: Appendix B - Usage Scenarios	02/25/2022
PDD Implementation Guide: Appendix C - XML Samples	02/25/2022
PDD Implementation Guide: Appendix D - XML Data Reference	01/28/2021
PDD Implementation Guide: Appendix E - XML Schema Definition	01/28/2021
PDD Implementation Guide: Appendix F - Legacy to MISMO Translation	01/28/2021
PDD Quick Guides	08/19/2021
Frequently Asked Questions (FAQs)	05/03/2021

‭(Hidden)‬ Streamlined Investor Reporting Phase II (July 2016)

APMs - The APMs listed below address Ginnie Mae's modernization efforts.
APM Number	APM Title	Publish Date
APM 16-04	Implementation of Streamlined Investor Reporting Phase II	6/7/2016

Notes & News - Ginnie Mae internal communications
Publication Name	Publish Date

Outreach Calls - The table below contains content regarding Ginnie Mae Outreach Calls. The next Issuer Outreach Call will take place on a quarterly basis at the dates listed below.
Audience	Type	Topic	Call Date
Issuer	Modernization Outreach Overview	Single Stream Reporting Phase II - Forms 11710D and 11714	04/21/2016
Issuer/Document Custodians	Modernization Outreach Overview	Issuer and Modernization Outreach Overview	06/23/2016
Issuer	Modernization Outreach Overview	SSR Training Overview	06/23/2106 06/28/2016

Quick Reference Cards (QRCs)
Step	Issuers	Description
IS-6	Submitting MBS Reporting Certifications in GMEP QRC (IS-6)	QRC to show Users how to submit the MBS Reporting Certifications (formerly form HUD-11710D) in GMEP.
IS-7	Submitting HMBS Reporting Certifications in GMEP QRC (IS-7)	QRC to show Users how to submit the HMBS Reporting Certifications (formerly form HUD-1710DH) in GMEP.
IS-8	Submitting Remittance Advice in GMEP QRC (IS-8)	QRC to show Users how to submit the Monthly Remittance Advice (form HUD-11714 and HUD-11714SN) in GMEP.

FAQs - The list of FAQs have been developed based on inquiries made by Issuers.
FAQ Title	Publish Date
Streamlined Investor Reporting FAQs	7/25/2016

‭(Hidden)‬ Streamlined Investor Reporting Phase I (October 2015)

APMs - The APMs listed below address Ginnie Mae's modernization efforts.
APM Number	APM Title	Publish Date
APM 15-15	Implementation of Streamlined Investor Reporting	09/18/2015

FAQs - The list of FAQs have been developed based on inquiries made by Issuers.
Reference	FAQ Title	Publish Date
Outreach Call	MBS Investor Reporting Manual FAQs	05/01/2015

‭(Hidden)‬ SecurID Token (November 2015)

SecurID Token - Tokens were formerly known as RSA Tokens. The names are synonymous. Thus, any reference to an RSA Token or a SecurID Token is one and the same. See table below for additional information on SecurID Tokens.
Document	Publish Date
RSA SecurID Token Request Form	06/25/2015
RSA SecurID Token Validation Instructions	06/25/2015
RSA SecurID Token Pin Set Up & Login Workflow	06/25/2015
RSA Token Sample Request Form	07/29/2015
GMEP Registration Form	10/07/2013

APMs - The APMs listed below address Ginnie Mae's modernization efforts.
APM Number	APM Title	Publish Date
APM 15-15	Implementation of Streamlined Investor Reporting	09/18/2015

FAQs - The list of FAQs have been developed based on inquiries made by Issuers and Document Custodians.
Reference	FAQ Title	Publish Date
Update	SecurID Token FAQs	10/02/2015

Quick Reference Cards (QRCs)
Step	Issuers	Description
IS-1	Assigning User Roles in GinnieNET Issuer QRC (IS-1)	QRC for Enrollment Administrators to assign roles in GinnieNET, proceed to next QRC (IS-2).
IS-2	Obtaining & Activating SecurID Token Issuer QRC (IS-2)	QRC for Users on how to obtain and activate a SecurID Token; if you already have an active SecurID Token, proceed to next QRC (IS-3).
IS-3	Assigning & verifying Roles IN GMEP Issuer Security Officer QRC (IS-3)	QRC for Security Officers on how to assign roles and perform verification check within GMEP.
IS-4	Using SecurID Token in GinnieNET Issuer QRC (IS-4)	QRC for Users on how to use the SecurID Token in GinnieNET.
IS-5	Submitting Quarterly Custodian Account Verifications QRC (IS-5)	QRC for Quarterly CAVS in GMEP.

Step	Document Custodians	Description
DC-1	Assigning User Roles in GinnieNET Document Custodian QRC (DC-1)	QRC for Enrollment Administrators to assign roles in GinnieNET; if you already have roles assigned in GinnieNET, proceed to next QR (DC-2).
DC-2	Obtaining & Activating SecurID Token Document Custodian QRC (DC-2)	QRC for Users on how to obtain and activate a SecurID Token; if you already have an active SecurID Token, proceed to next QRC (DC-3).
DC-3	Assigning & Verifying Roles in GMEP Document Custodian Security Officer QRC (DC-3)	QRC for Security Officers on how to assign roles and perform verification check within G
DC-4	Using SecurID Token in GinnieNET Document Custodian QRC (DC-4)	QRC for Users on how to use the SecurID Token in GinnieNET.

Step	Issuers and Document Custodians	Description
IS/DC-1	Understand the Results of the "Verify Role Assignment" Check (IS DC-1)	QRC for SO's and users to understand what actions need to be taken pursuant to the various failed validation messages that may appear on the "Verify Role Assignment" interface.

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