American’s Community Bankers has joined Fannie Mae and Freddie Mac in opposing Ginnie Mae Choice, a proposal that would allow Ginnie Mae to securitize high loan-to-value conventional mortgage loans. The ACB’s board of directors voted Feb. 10 to oppose the legislation, which was introduced in Congress last November by Sen. Wayne Allard, R-CO, and Rep. Marge Roukema, R-NJ.