A federal district court in Wisconsin has ruled that FCRA preempts state statutory claims against information servicers, but does not preempt common law claims such as libel and negligence. Ori v. Fifth Third Bank, __ F. Supp. 2d __, 2009 WL 4895667 (E.D. Wis. Dec. 14, 2009). In reaching this conclusion, the court found that FCRA’s preemption of “state laws” indicated intent to preempt statutory claims only, whereas statutes or regulations preempting “state law” (without the “s”) preempt both statutory and common law claims. The court also relied on the context of the surrounding statutory provisions excluding certain state statutes from FCRA preemption and the structure of the FCRA.