We employ loan-level data on over a million loans disbursed in India between 1995 and 2010 to understand how fast-changing regulation impacted mortgage lending and risk. Our paper uses changes in regulatory treatment discontinuities associated with loan size and leverage to detect...

Research on the effects of prenatal care on birth outcomes has produced a patchwork of findings that are not easily summarized. Studies have used varying definitions of prenatal care, leading to estimates that are difficult to compare. The identification of causal effects is particularly...

We attribute the recent quadrupling of heroin death rates to the August, 2010 reformulation of an oft-abused prescription opioid, OxyContin. The new abuse-deterrent formulation led many consumers to substitute to an inexpensive alternative, heroin. Using structural break techniques and variation...