diff --git a/response.go b/response.go
index c87d756..1d177be 100644
--- a/response.go
+++ b/response.go
@@ -35,6 +35,16 @@ type Response struct {
 func (or *Response) readSGMLHeaders(r *bufio.Reader) error {
 	var seenHeader, seenVersion bool = false, false
 	for {
+		// Some financial institutions do not properly leave an empty line after the last header.
+		// Avoid attempting to read another header in that case.
+		next, err := r.Peek(1)
+		if err != nil {
+			return err
+		}
+		if next[0] == '<' {
+			break
+		}
+
 		line, err := r.ReadString('\n')
 		if err != nil {
 			return err
diff --git a/response_test.go b/response_test.go
index 49659b7..1018002 100644
--- a/response_test.go
+++ b/response_test.go
@@ -140,10 +140,9 @@ func TestValidSamples(t *testing.T) {
 	fn := func(path string, info os.FileInfo, err error) error {
 		if info.IsDir() {
 			return nil
-		} else if filepath.Ext(path) != ".ofx" {
+		} else if ext := filepath.Ext(path); ext != ".ofx" && ext != ".qfx" {
 			return nil
 		}
-
 		file, err := os.Open(path)
 		if err != nil {
 			t.Fatalf("Unexpected error opening %s: %s\n", path, err)
@@ -155,4 +154,5 @@ func TestValidSamples(t *testing.T) {
 		return nil
 	}
 	filepath.Walk("samples/valid_responses", fn)
+	filepath.Walk("samples/busted_responses", fn)
 }
diff --git a/samples/busted_responses/bmo_v102__no_header_newline.qfx b/samples/busted_responses/bmo_v102__no_header_newline.qfx
new file mode 100644
index 0000000..e9f946a
--- /dev/null
+++ b/samples/busted_responses/bmo_v102__no_header_newline.qfx
@@ -0,0 +1,59 @@
+OFXHEADER:100
+DATA:OFXSGML
+VERSION:102
+SECURITY:NONE
+ENCODING:USASCII
+CHARSET:1252
+COMPRESSION:NONE
+OLDFILEUID:NONE
+NEWFILEUID:NONE
+<OFX>
+<SIGNONMSGSRSV1>
+<SONRS>
+<STATUS>
+<CODE>0
+<SEVERITY>INFO
+<MESSAGE>OK
+</STATUS>
+<DTSERVER>20181202184906.217[-5:EDT]
+<USERKEY>SJLDF802DV09DF80
+<LANGUAGE>ENG
+<INTU.BID>00017
+</SONRS>
+</SIGNONMSGSRSV1>
+<CREDITCARDMSGSRSV1>
+<CCSTMTTRNRS>
+<TRNUID>1
+<STATUS>
+<CODE>0
+<SEVERITY>INFO
+<MESSAGE>OK
+</STATUS>
+<CCSTMTRS>
+<CURDEF>CAD
+<CCACCTFROM>
+<ACCTID>2380370270281083
+</CCACCTFROM>
+<BANKTRANLIST>
+<DTSTART>20181202184905.909[-5:EDT]
+<DTEND>20181202184905.909[-5:EDT]
+<STMTTRN>
+<TRNTYPE>CREDIT
+<DTPOSTED>20181030000000.000[-5:EDT]
+<TRNAMT>2042.24
+<FITID>2380370270281083201810302054456
+<NAME>PAYMENT RECEIVED - THANK YOU
+</STMTTRN>
+</BANKTRANLIST>
+<LEDGERBAL>
+<BALAMT>-552.63
+<DTASOF>20181202184906.217[-5:EDT]
+</LEDGERBAL>
+<AVAILBAL>
+<BALAMT>-552.63
+<DTASOF>20181202184906.217[-5:EDT]
+</AVAILBAL>
+</CCSTMTRS>
+</CCSTMTTRNRS>
+</CREDITCARDMSGSRSV1>
+</OFX>