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David Sovich

Associate Professor of Finance · University of Kentucky

Philip Morris Associate Professor of Finance at the University of Kentucky (PhD in finance, Washington University in St. Louis). Research is in empirical household and corporate finance.

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Published American Economic Review Online 1 Feb 2026 Published Feb 2026

Consumer Credit and the Incidence of Tariffs: Evidence from the Auto Industry

Kristine W. Hankins · Morteza Momeni · David Sovich

Do import tariffs affect consumer credit terms, and does focusing solely on goods prices understate tariff pass-through to consumers? The paper also asks whether vertical integration -- specifically, …

Trade Banking Credit Inequality Free Read ↗