The XML says the regex snippet above looks like this:

(4[0-9]{3}(([ -]?)[0-9]{4}){3})((?!WI|MN).)*$

BUT, Anonymous Monk, there's nothing there to tell us where the /i is coming from. If you know, show us the code (in the smallest possible compilable snippet that exhibits the same failure)... and if you don't, do that anyway.

PS: it's also going to help if you define "state code" as applied to the text against which you're trying the regex... and you might wish to read perlretut about negating regexen and negative character classes.