A curable coating composition is described comprising (A) a carbamate- or urea-functional compound that is the reaction product of (1) a compound comprising a carbamate or urea group or a group that can be converted to carbamate or urea, and a hydroxyl functional group that is the reaction product of (a) a compound comprising a carbamate or urea group or a group that can be converted to a carbamate or urea group, and an active hydrogen group that is reactive with a lactone or a hydroxy carboxylic acid, and (b) a lactone or hydroxy carboxylic acid, and (2) a component that is reactive with compound (A)(1) to convert a hydroxyl group on compound (A)(1) to a carbamate group, or a component comprising a group that is reactive with a hydroxyl group on compound (A)(1) and a carbamate or urea group or group that can be converted to carbamate or urea, (B) a compound comprising a plurality of groups that are reactive with carbamate or urea.