Comment by dragonwriter

> Frozen has a villain -- Hans.

Elsa is treated more like the primary antagonist (Anna is the protagonist.) Elsa is redeemed rather than defeated, but that's more a matter of ending than overall structural role.

> Really only Encanto doesn't.

Sure it does (at least, it has an antagonist responsible for the crisis that the story addresses and resolves.) Their identity is even announced at the climax of the film, just in case the viewer hasn't recognized it. (Like Frozen, and Moana—whether, in the latter case, you consider Te Kā or Maui the ultimate antagonist—the antagonist is redeemed and reconciled with the protagonist and the broader community rather than defeated.)