A curable coating composition comprising an acrylic polymer having an epoxide equivalent weight from about 150 to about 1500, a compound having acid and carbamate groups, and an aminoplast crosslinker may be applied to a substrate and cured at a temperature at which both acid and carbamate groups of the compound react. The composition may further contain a blocked polyisocyanate crosslinker to react with hydroxyl groups on the polymer and/or formed by reaction of epoxide with carboxylic acid groups.