Second of all , the people with power in this situaiton the FHA and they are marginalizing black people because they are giving a low grade or bad rating for the neighborhood black people live in. To Marginalize someone is to push of to the side and make less important so the FHA was pushing the black people neighborhood off to the side and/or making it less important. To Exploit someone means to take unfair advantage of someone for your own benefit. The FHA are exploiting people because they want people to spend lots of money on a not cheap house in a more desirable to live in area. So when people buy the not cheap houses the FHA gets more money.