Method of forming multi-component composite coating compositions on substrates using compact processes

A coated substrate comprising:

• (A) a substrate;
• and
• (B) a multi-layer composite coating composition comprising:
• (1) a first coating layer applied over at least a portion of the substrate and formed from a waterborne film-forming composition comprising:
• (a) a polymeric component containing acid functional groups and additional functional groups different from the acid functional groups;
• (b) a curing agent having functional groups reactive with the additional functional groups on the polymeric component;
• and
• (c) microgel particles different from the polymeric component and curing agent, prepared in water from a diamine and an acid functional polyisocyanate, wherein the polyisocyanate contains an average of 0.75 acid functional groups per molecule and the wherein the polyisocyanate has at least three isocyanate functional groups;
• and
• (2) a second coating layer formed from a topcoat composition applied over at least a portion of the first coating layer prior to substantially curing the first coating;
• wherein both the first coating layer and the second coating layer have been cured simultaneously after application of both layers to the substrate.