diff --git a/basic_client.go b/basic_client.go
index 435a6a0..0c4489a 100644
--- a/basic_client.go
+++ b/basic_client.go
@@ -19,6 +19,8 @@ type BasicClient struct {
 
 	// Don't insert newlines or indentation when marshalling to SGML/XML
 	NoIndent bool
+	// Use carriage returns on new lines
+	CarriageReturn bool
 }
 
 // OfxVersion returns the OFX specification version this BasicClient will marshal
@@ -54,6 +56,11 @@ func (c *BasicClient) IndentRequests() bool {
 	return !c.NoIndent
 }
 
+// CarriageReturnNewLines returns true if carriage returns should be used on new lines, false otherwise
+func (c *BasicClient) CarriageReturnNewLines() bool {
+	return c.CarriageReturn
+}
+
 func (c *BasicClient) RawRequest(URL string, r io.Reader) (*http.Response, error) {
 	if !strings.HasPrefix(URL, "https://") {
 		return nil, errors.New("Refusing to send OFX request with possible plain-text password over non-https protocol")
diff --git a/client.go b/client.go
index 3690952..a9d43dd 100644
--- a/client.go
+++ b/client.go
@@ -16,6 +16,7 @@ type Client interface {
 	ID() String
 	Version() String
 	IndentRequests() bool
+	CarriageReturnNewLines() bool
 
 	// Request marshals a Request object into XML, makes an HTTP request
 	// against it's URL, and then unmarshals the response into a Response
diff --git a/common.go b/common.go
index 62cf58c..bfbaeb3 100644
--- a/common.go
+++ b/common.go
@@ -6,14 +6,16 @@ import (
 	"bytes"
 	"errors"
 	"fmt"
+	"strings"
+
 	"github.com/aclindsa/xml"
 )
 
-func writeHeader(b *bytes.Buffer, v ofxVersion) error {
+func writeHeader(b *bytes.Buffer, v ofxVersion, carriageReturn bool) error {
 	// Write the header appropriate to our version
 	switch v {
 	case OfxVersion102, OfxVersion103, OfxVersion151, OfxVersion160:
-		b.WriteString(`OFXHEADER:100
+		header := `OFXHEADER:100
 DATA:OFXSGML
 VERSION:` + v.String() + `
 SECURITY:NONE
@@ -23,10 +25,22 @@ COMPRESSION:NONE
 OLDFILEUID:NONE
 NEWFILEUID:NONE
 
-`)
+`
+		if carriageReturn {
+			header = strings.Replace(header, "\n", "\r\n", -1)
+		}
+		b.WriteString(header)
 	case OfxVersion200, OfxVersion201, OfxVersion202, OfxVersion203, OfxVersion210, OfxVersion211, OfxVersion220:
-		b.WriteString(`<?xml version="1.0" encoding="UTF-8" standalone="no"?>` + "\n")
-		b.WriteString(`<?OFX OFXHEADER="200" VERSION="` + v.String() + `" SECURITY="NONE" OLDFILEUID="NONE" NEWFILEUID="NONE"?>` + "\n")
+		b.WriteString(`<?xml version="1.0" encoding="UTF-8" standalone="no"?>`)
+		if carriageReturn {
+			b.WriteByte('\r')
+		}
+		b.WriteByte('\n')
+		b.WriteString(`<?OFX OFXHEADER="200" VERSION="` + v.String() + `" SECURITY="NONE" OLDFILEUID="NONE" NEWFILEUID="NONE"?>`)
+		if carriageReturn {
+			b.WriteByte('\r')
+		}
+		b.WriteByte('\n')
 	default:
 		return fmt.Errorf("%d is not a valid OFX version string", v)
 	}
diff --git a/go.sum b/go.sum
index d6f3069..baa5649 100644
--- a/go.sum
+++ b/go.sum
@@ -1,7 +1,5 @@
 github.com/aclindsa/xml v0.0.0-20171002130543-5d4402bb4a20 h1:wN3KlzWq56AIgOqFzYLYVih4zVyPDViCUeG5uZxJHq4=
 github.com/aclindsa/xml v0.0.0-20171002130543-5d4402bb4a20/go.mod h1:DiEHtTD+e6zS3+R95F05Bfbcsfv13wZTi2M4LfAFLBE=
-github.com/aclindsa/xml v0.0.0-20190614100215-564dc705a222 h1:KF5DYtOrl6QZ/vlVZPzHGRr7xLakO8Ye0I+JoiV3PNg=
-github.com/aclindsa/xml v0.0.0-20190614100215-564dc705a222/go.mod h1:GjqOUT8xlg5+T19lFv6yAGNrtMKkZ839Gt4e16mBXlY=
 github.com/aclindsa/xml v0.0.0-20190625094425-0aa7a3409cf4 h1:STo5wlCItpgL9LFBui17kZ/N1iKQk+UztLRj2cVkSXQ=
 github.com/aclindsa/xml v0.0.0-20190625094425-0aa7a3409cf4/go.mod h1:GjqOUT8xlg5+T19lFv6yAGNrtMKkZ839Gt4e16mBXlY=
 github.com/howeyc/gopass v0.0.0-20170109162249-bf9dde6d0d2c h1:kQWxfPIHVLbgLzphqk3QUflDy9QdksZR4ygR807bpy0=
diff --git a/request.go b/request.go
index 91987a3..825064e 100644
--- a/request.go
+++ b/request.go
@@ -31,7 +31,8 @@ type Request struct {
 	Prof       []Message     //<PROFMSGSETV1>
 	Image      []Message     //<IMAGEMSGSETV1>
 
-	indent bool // Whether to indent the marshaled XML
+	indent         bool // Whether to indent the marshaled XML
+	carriageReturn bool // Whether to user carriage returns in new lines for marshaled XML
 }
 
 func encodeMessageSet(e *xml.Encoder, requests []Message, set messageType, version ofxVersion) error {
@@ -70,6 +71,7 @@ func (oq *Request) SetClientFields(c Client) {
 	oq.Signon.AppID = c.ID()
 	oq.Signon.AppVer = c.Version()
 	oq.indent = c.IndentRequests()
+	oq.carriageReturn = c.CarriageReturnNewLines()
 }
 
 // Marshal this Request into its SGML/XML representation held in a bytes.Buffer
@@ -79,7 +81,7 @@ func (oq *Request) Marshal() (*bytes.Buffer, error) {
 	var b bytes.Buffer
 
 	// Write the header appropriate to our version
-	writeHeader(&b, oq.Version)
+	writeHeader(&b, oq.Version, oq.carriageReturn)
 
 	encoder := xml.NewEncoder(&b)
 	if oq.indent {
@@ -89,6 +91,9 @@ func (oq *Request) Marshal() (*bytes.Buffer, error) {
 		// OFX 100 series versions should avoid element close tags for compatibility
 		encoder.SetDisableAutoClose(ofxLeafElements...)
 	}
+	if oq.carriageReturn {
+		encoder.CarriageReturn(true)
+	}
 
 	ofxElement := xml.StartElement{Name: xml.Name{Local: "OFX"}}
 
diff --git a/response.go b/response.go
index 9ab4db7..00728e5 100644
--- a/response.go
+++ b/response.go
@@ -377,7 +377,7 @@ func (or *Response) Marshal() (*bytes.Buffer, error) {
 	var b bytes.Buffer
 
 	// Write the header appropriate to our version
-	writeHeader(&b, or.Version)
+	writeHeader(&b, or.Version, false)
 
 	encoder := xml.NewEncoder(&b)
 	encoder.Indent("", "    ")