In F.D.I.C. v. Notis, . 602 A.2d 1164, 1166 (Me. 1992) the court allowed the defendant in a foreclosure action to plead recoupment despite the two year statute of limitations found in the Equal Credit Opportunity Act. The court reasoned that "the policy underlying statutes of limitations, that of preventing undue delay and stale claims, is not promoted by suppressing a valid defense arising out of the transaction at issue." Id.