Section 94 gives the Lord Chancellor the power to make regulations setting minimum limits on the value of debts where these provisions can be used to prevent their being invoked unfairly or vexatiously. Sections 95 to 105 establish a system of applications for information whereby a creditor can apply to the court for an information order to obtain information about the debtor's means from the Department for Work and Pensions, HM Revenue and Customs, and third parties such as banks and credit reference agencies.  , no date is fixed for the coming into force of these provisions. Consultation by the Department for Constitutional Affairs suggested that some people, especially those with small debts and few assets, were excluded from the existing schemes for insolvency protection. In particular, the schemes of Administration Orders (AOs) and Enforcement Restriction Orders (EROs) were seen to be deficient. The act makes changes to the schemes for AOs and EROs so that they are available to a broader class of people in financial difficulties (ss. 106-107/ Sch. 16). Section 108 and Schedules 17 to 20 amend the Insolvency Act 1986 to create a new instrument of Debt Relief Order (DRO). DROs are a low-cost scheme offered under narrow criteria for those currently excluded by the insolvency system. They will be administered by official receivers outside the courts' jurisdiction and will offer protection from creditors for a year. In 2007, it was estimated that there were 70,000 private, unregulated and unenforceable debt management schemes in operation in the UK. Sections 109 to 133 and Schedule 21 provide for a statutory system of Debt Management Schemes to regulate such practises. These provisions came into effect in England on 31 December 2007, in Scotland on 21 April 2008, and in Wales and Northern Ireland on 22 April 2008. The possibility that antiquities and cultural artifacts, sometimes allegedly misappropriated by their current custodians, would be seized by court order while on display in the UK, led to an increasing reluctance of foreign states and private individuals to allow loans for exhibitions. The provisions of the State Immunity Act 1978 were inadequate. Such uncertainties caused diplomatic tensions over a proposed loan of art works from Russia for an exhibition at the Royal Academy in December 2007. In particular, there was speculation that there might be attempts to seize Henri Matisse's "The Dance" which had been appropriated by the Bolshevik government from Sergei Shchukin during the Russian Revolution. The new provisions of this section of the Act came into force on 31 December and the Russian government gave permission for the paintings to travel to the UK and for the exhibition to go ahead on 9 January 2008.