This appendix provides complete results for the robustness checks discussed in the paper, Spillover Effects of the Opioid Epidemic on Consumer Finance. The paper available at "https://ssrn.com/abstract=3324709" https://ssrn.com/abstract=3324709

Appendix available at "https://ssrn.com/abstract=3324720" https://ssrn.com/abstract=3324720.I examine the impact of the opioid epidemic on subprime auto lending. Using a difference-in-differences framework, I find that county-level increases in opioid abuse cause an increase in loan defaults....

We show how to measure the welfare effects arising from increased data availability. When lenders have more data on prospective borrower costs, they can charge prices that are more aligned with these costs. This increases total social welfare, and transfers surplus from borrowers to lenders. We...

We show how to measure the welfare effects arising from increased data availability. When lenders have more data on prospective borrower costs, they can charge prices that are more aligned with these costs. This results in an increase in total social welfare, and a transfer of surplus from...

We show how to measure the welfare effects arising from increased data availability. When lenders have more data on prospective borrower costs, they can charge prices that are more aligned with these costs. This increases total social welfare, and transfers surplus from borrowers to lenders. We...