Compositions which form a film without solvent for clear coatings.

A film forming composition that is substantially free of organic solvent comprising said film-forming composition at least one thermosettable aqueous dispersion comprising polymeric microparticles having functionality adapted to react with a crosslinking agent, prepared such microparticles by mixing under high shear the following components: (1) at least one substantially hydrophobic polymer having reactive functional groups; and (2) at least one substantially hydrophobic crosslinking agent containing functional groups reactive with the functional groups of polymer (1), wherein said film forming composition is capable of forming a generally continuous film at room temperature.