diff --git a/bundler/lib/bundler/fetcher/gem_remote_fetcher.rb b/bundler/lib/bundler/fetcher/gem_remote_fetcher.rb
index 3159e056880a..d53a7ea52a8a 100644
--- a/bundler/lib/bundler/fetcher/gem_remote_fetcher.rb
+++ b/bundler/lib/bundler/fetcher/gem_remote_fetcher.rb
@@ -9,6 +9,8 @@ def initialize(*)
         super
 
         @pool_size = Bundler.settings.installation_parallelization
+        ssl_ca_cert = Bundler.settings[:ssl_ca_cert]
+        @cert_files << ssl_ca_cert if ssl_ca_cert
       end
 
       def request(*args)
diff --git a/spec/bundler/fetcher/gem_remote_fetcher_spec.rb b/spec/bundler/fetcher/gem_remote_fetcher_spec.rb
index df1a58d84362..a06cf0396c66 100644
--- a/spec/bundler/fetcher/gem_remote_fetcher_spec.rb
+++ b/spec/bundler/fetcher/gem_remote_fetcher_spec.rb
@@ -6,6 +6,36 @@
 require "bundler/vendored_persistent.rb"
 
 RSpec.describe Bundler::Fetcher::GemRemoteFetcher do
+  describe "#initialize" do
+    context "when ssl_ca_cert setting is not set" do
+      before do
+        allow(Bundler.settings).to receive(:[]).and_call_original
+        allow(Bundler.settings).to receive(:[]).with(:ssl_ca_cert).and_return(nil)
+      end
+
+      it "does not append the setting to @cert_files" do
+        cert_files = subject.instance_variable_get(:@cert_files)
+        gem_cert_files = Gem::Request.get_cert_files
+        expect(cert_files).to eq(gem_cert_files)
+      end
+    end
+
+    context "when ssl_ca_cert setting is set" do
+      let(:ca_cert_path) { "/path/to/ca_cert" }
+
+      before do
+        allow(Bundler.settings).to receive(:[]).and_call_original
+        allow(Bundler.settings).to receive(:[]).with(:ssl_ca_cert).and_return(ca_cert_path)
+      end
+
+      it "appends the setting to @cert_files" do
+        cert_files = subject.instance_variable_get(:@cert_files)
+        gem_cert_files = Gem::Request.get_cert_files
+        expect(cert_files).to eq(gem_cert_files + [ca_cert_path])
+      end
+    end
+  end
+
   describe "Parallel download" do
     it "download using multiple connections from the pool" do
       unless Bundler.rubygems.provides?(">= 4.0.0.dev")