; table of contents. Sec. 2. References. Sec. 3. Effective date. Sec. 4. Definitions. TITLE I—For-profit institutions Sec. 101. Closing the GI Bill loophole and restoring the 85/15 rule for for-profit institutions. Sec. 102. Process for for-profit institutions to convert to nonprofit or public status. Sec. 103. For-Profit Education Oversight Coordination Committee. TITLE II—Student and borrower protections Sec. 201. Gainful employment programs. Sec. 202. Prohibition on institutions limiting student legal action. Sec. 203. Enforcement unit established in the Office of Federal Student Aid. Sec. 204. Establishment and maintenance of complaint resolution and tracking system. Sec. 205. Borrower defense to repayment. TITLE III—Ensuring integrity at institutions of higher education Sec. 301. Restrictions on sources of funds for recruiting and marketing activities. Sec. 302. Strengthening the incentive compensation ban. Sec. 303. Definition of nonprofit institution of higher education. Sec. 304. Definition of public institution of higher education. Sec. 305. Enhanced civil penalties, State enforcement, and private right of action. Sec. 306. Substantial misrepresentation prohibited. 2. References Except as otherwise expressly provided, whenever in this Act an amendment or repeal is expressed in terms of an amendment to, or repeal of, a section or other provision, the reference shall be considered to be made to a section or other provision of the Higher Education Act of 1965 (20 U.S.C. 1001 et seq.). 3. Effective date Except as otherwise specified, this Act, and the amendments made by this Act, shall take effect beginning on July 1, 2020. 4. Definitions (a) In general Section 103 (20 U.S.C. 1003) is amended— (1) by redesignating paragraphs (15) through (22), (23), and (24) as paragraphs (17) through (24), (26), and (27)