https://www.stlouisfed.org/on-the-economy/2022/jul/fed-launches-second-tool-hel… Created Thu, 28/07/2022 - 19:30 Updated Thu, 28/07/2022 - 19:30 The Expected Losses Estimator (ELE) is a spreadsheet-based tool to help community banks calculate allowances for credit losses under the CECL standard.