Chrome cannot download any file on a FTP server
Just in case someone else comes across this. I had a user come to me asking for help downloading a file using a FTP link in Chrome. Turns out that Chrome removed FTP support recently. You can re-enable it like they did above if you have version 88 or earlier. Version 89 slated for Q1 of 2021 is expected to remove all FTP code so you will no longer be able to re-enable it with flags. You'll have to use a different browser like Firefox or use an HTTP/HTTPS link instead.
https://docs.google.com/document/d/1JUra5HnsbR_xmtQctkb2iVxRPuhPWhMB5M_zpbuGxTY/edit#
It seems that all browsers have pulled ftp support.
Currently, winSCP offers an option but it is not straightforward.
https://winscp.net/eng/download.php
Finally, I managed to make it work using this option: https://winscp.net/eng/docs/integration_url
Windows 10: The Settings app opens with Default Apps page. At the bottom of the page, click Set defaults by app link. Locate WinSCP in the programs list. After selecting WinSCP, click the Manage button. The File type and protocol associations page for WinSCP opens