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This form is fillable. Under a bifurcated fee arrangement, the client first executes a pre-petition retainer agreement lim- ited to the attorney preparing and filing a "skeletal".419 Cost accounting standards and disclosure statement. Last Update: November 6, 2017. 5.7. 3 Non-Standard Authorizations. 398. 5.7. Application and Eligibility Requirements for Approval . Regulation Z protects people when they use consumer credit. (See Section B.6.3). In relation to their insolvency, liquidation, voluntary liquidation or bankruptcy, as the case may be. 3.