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The table of contents for this Act is as follows: Sec. 1. Short title. Sec. 2. Table of contents. Sec. 3. References. TITLE I—Student and taxpayer protections Sec. 101. Gainful employment and financial value transparency. Sec. 102. Borrower defense and substantial misrepresentations. Sec. 103. Closed school discharge. Sec. 104. Prohibition on institutions limiting student legal action. Sec. 105. Incentive compensation. TITLE II—Ensuring integrity at institutions of higher education and institutional contractors Sec. 201. Updating Federal oversight of third-party servicers. Sec. 202. Job placement rates. Sec. 203. Allocation of tuition and fee revenue by title IV institutions. Sec. 204. Past performance. Sec. 205. Recoupment. TITLE III—Improving oversight Sec. 301. Enforcement in the Office of Federal Student Aid. Sec. 302. For-Profit Education Oversight Coordination Committee. Sec. 303. Establishment and maintenance of complaint resolution and tracking system. Sec. 304. Reforms to eligibility and certification procedures. Sec. 305. State oversight. Sec. 306. Accrediting agency oversight. Sec. 307. Mandatory spending for administrative costs of operating the student aid programs. TITLE IV—Improving access to student and taxpayer information Sec. 401. Reporting and disclosures from institutions of higher education. Sec. 402. Transparency of oversight activities.