The present invention is directed to curable film-forming compositions comprising: a) a curing agent; and b) a film-forming material comprising a fluoropolymer, a polymer having functional groups, and a plurality of particles comprising fillers and/or nanoscale particles having an average particle size ranging from 1 to less than 1000 nanometers prior to incorporation into the composition; wherein 20 to 30 percent by weight of the film-forming material of b) comprises the fluoropolymer. In certain embodiments, after application to a substrate as a coating and after curing, the cured composition demonstrates burnish resistance and an 85° gloss of less than 50. Multi-component composite coating compositions are also provided.