A curable coating composition containing a carbamate-functional reactive additive is made by reacting a compound having at least one epoxy group and at least one branched alkyl group of 5 to 30 carbons with carbon dioxide, to produce a carbonate functional compound, and then with ammonia. The carbamate-functional reactive additive is incorporated into a curable coating composition. The coating composition may contain a polymer comprising active hydrogen-containing functionality other than carbamate and a curing agent having groups that are reactive with the polymer active hydrogen-containing functionality, wherein one or both of polymer and curing agent comprise groups that are reactive with the carbamate group of the carbamate-functional reactive additive. The coating composition is applied to an article and cured.