Film-forming materials include resins having a covalently bonded phosphorous atom, the phosphorous atom having at least one covalently bonded oxygen atom. Film-forming resins containing phosphorous can include epoxy, acrylic, polyurethane, polycarbonate, polysiloxane, polyvinyl, polyether, aminoplast, and polyester resins. A process to produce a film-forming resin includes reacting various polymers to incorporate a pendent group comprising a covalently bonded phosphorous atom.