1. Preheat oven to 350°.
2. Combine first 6 ingredients in a large bowl, stirring with a whisk. Stir in oats. Crumble beef over oat mixture; stir just until blended.
3. Shape mixture into an 8 x 4-inch loaf; place on rack of a broiler pan coated with cooking spray.
4. Bake at 350° for 50 minutes.
5. Combine 1 1/2 tablespoons ketchup and 1 teaspoon mustard; brush over loaf. Sprinkle with cheese and bacon. Bake an additional 10 minutes or until a thermometer registers 160°. Let stand 10 minutes; cut into 6 slices.