The instant invention provides carbamate functional polymers and/or oligomers and coating compositions containing such which have improved levels of nonvolatile solids yet demonstrate good sprayability and etch resistance. The carbamate functional polymers and/or oligomers of the invention comprise the polymerization reaction product of (a) a polymer or oligomer comprising a plurality of functional groups reactive with an active hydrogen group, and (b) a monomeric compound of the formula: 1 wherein at least one of Y and Z is an active hydrogen containing group and the other is a primary carbamate group, and R is of the formula: null(L)nnullRnull wherein L is a linking group of one or more carbons containing heteratoms selected from the group consisting of O, N, and mixtures thereof, Rnull is an alkyl group free of heteratoms and selected from the group consisting of branched alkyl groups having from 5 to 30 carbons, straight chain alkyl groups of more than 2 carbons, and mixtures thereof, and n is a number from 0 to 1.