No person may plead the defense of usury or maintain any action thereon based upon a transaction heretofore entered into if such transaction:
(1) Constitutes a "consumer lease" as defined in RCW
63.10.020; or
(2) Would constitute such a consumer lease but for the fact that:
(i) The lessee was not a natural person;
(ii) The lease was not primarily for personal, family, or household purposes; or
(iii) The total contractual obligation exceeded twenty-five thousand dollars.