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Created by Congress in 1965, the U.S. HUD is the agency principally responsible for federal programs relating to housing and urban improvement. HUD's programs include mortgage insurance for home-buyers, low-income rental assistance, and programs for urban revitalization that are developed in conjunction with state and municipal authorities. Originally, much of the department's effort was devoted to subsidizing the construction and operation of low and moderate income housing. Under the Reagan administration, HUD began emphasizing the rehabilitation of substandard housing and assisting low-income tenants in paying for existing housing, either through direct rent subsidies or through a system of housing vouchers.