ken staur, people who are -- ken starr, people who are conservative in their views. this was a decision that i made. >> the reason you won't release the memo is because you disagree with the legal conclusion? >> no, the reason i think the memos should not be revealed is because this is an ongoing matter and because i'm concerned about revealing internal deliberations within the justice department. >> attorney general holder it is great to have you here, and i appreciate your message with regard to the civil rights division. there are so many other areas i want to talk about. let me first, i might, talk about predatory lending. the civil rights movement was responsible for the passage of significant legislation that was intended to end discrimination in housing. the fair housing act, the equal credit opportunity act, the home mortgage act, to name a few. and i think it did a great job in ending redlining. the problem now is we have reverse redlining. let me give you some of the statistics from 2006 leading up to the current housing crisis. we find that the high-cost l