Wren obtains a loan from a bank at 4.5 percent interest. The state where Wren obtains the loan has a usury statute that limits interest rates to a 3.5 percent maximum. Wren's contract with the bank is absolutely enforceable. enforceable only if the bank does not attempt to disaffirm it. not enforceable. enforceable only if Wren does not attempt to disaffirm it