diff --git a/rm-community/rm-community-repo/source/java/org/alfresco/module/org_alfresco_module_rm/capability/policy/AssocPolicy.java b/rm-community/rm-community-repo/source/java/org/alfresco/module/org_alfresco_module_rm/capability/policy/AssocPolicy.java
index 882faefa51..3ec8a3f0a6 100644
--- a/rm-community/rm-community-repo/source/java/org/alfresco/module/org_alfresco_module_rm/capability/policy/AssocPolicy.java
+++ b/rm-community/rm-community-repo/source/java/org/alfresco/module/org_alfresco_module_rm/capability/policy/AssocPolicy.java
@@ -56,19 +56,22 @@ public class AssocPolicy extends AbstractBasePolicy
             target = getTestNode(invocation, params, cad.getParameters().get(1), cad.isParent());
         }
 
-        if ((source != null) && (target != null))
+        if (source != null && target != null)
         {
-            // check that we aren't trying to create an association from DM  to RM
+            // check the source node ref is a file plan component
             if (nodeService.hasAspect(source, RecordsManagementModel.ASPECT_FILE_PLAN_COMPONENT))
             {
                 return getCapabilityService().getCapability(ViewRecordsCapability.NAME).evaluate(source);
             }
             else
             {
-                if (nodeService.hasAspect(target, RecordsManagementModel.ASPECT_FILE_PLAN_COMPONENT) &&
-                        getCapabilityService().hasCapability(target, ViewRecordsCapability.NAME) &&
-                        permissionService.hasPermission(source, PermissionService.WRITE_PROPERTIES).equals(AccessStatus.ALLOWED)
-                )
+                final boolean isFilePlanComponent = nodeService.hasAspect(target, RecordsManagementModel.ASPECT_FILE_PLAN_COMPONENT);
+                final boolean hasViewRecordCapability = getCapabilityService().hasCapability(target, ViewRecordsCapability.NAME);
+                // allow association between a source non rm node and an rm node if the user
+                // has ViewRecordsCapability on the RM target node and  write properties on the dm node
+                if ( isFilePlanComponent &&
+                        hasViewRecordCapability &&
+                        permissionService.hasPermission(source, PermissionService.WRITE_PROPERTIES).equals(AccessStatus.ALLOWED))
                 {
                     return AccessDecisionVoter.ACCESS_GRANTED;
                 }
diff --git a/rm-community/rm-community-repo/test/java/org/alfresco/module/org_alfresco_module_rm/test/integration/record/DownloadAsZipRecordTest.java b/rm-community/rm-community-repo/test/java/org/alfresco/module/org_alfresco_module_rm/test/integration/record/DownloadAsZipRecordTest.java
new file mode 100644
index 0000000000..5c19e79ff1
--- /dev/null
+++ b/rm-community/rm-community-repo/test/java/org/alfresco/module/org_alfresco_module_rm/test/integration/record/DownloadAsZipRecordTest.java
@@ -0,0 +1,142 @@
+/*-
+ * #%L
+ * Alfresco Records Management Module
+ * %%
+ * Copyright (C) 2005 - 2020 Alfresco Software Limited
+ * %%
+ * This file is part of the Alfresco software.
+ * -
+ * If the software was purchased under a paid Alfresco license, the terms of
+ * the paid license agreement will prevail.  Otherwise, the software is
+ * provided under the following open source license terms:
+ * -
+ * Alfresco is free software: you can redistribute it and/or modify
+ * it under the terms of the GNU Lesser General Public License as published by
+ * the Free Software Foundation, either version 3 of the License, or
+ * (at your option) any later version.
+ * -
+ * Alfresco is distributed in the hope that it will be useful,
+ * but WITHOUT ANY WARRANTY; without even the implied warranty of
+ * MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE.  See the
+ * GNU Lesser General Public License for more details.
+ * -
+ * You should have received a copy of the GNU Lesser General Public License
+ * along with Alfresco. If not, see <http://www.gnu.org/licenses/>.
+ * #L%
+ */
+package org.alfresco.module.org_alfresco_module_rm.test.integration.record;
+
+import net.sf.acegisecurity.Authentication;
+import org.alfresco.module.org_alfresco_module_rm.test.util.BaseRMTestCase;
+import org.alfresco.repo.security.authentication.AuthenticationUtil;
+import org.alfresco.repo.security.authentication.AuthenticationUtil.RunAsWork;
+import org.alfresco.repo.security.permissions.AccessDeniedException;
+import org.alfresco.service.cmr.download.DownloadService;
+import org.alfresco.service.cmr.repository.NodeRef;
+import org.alfresco.util.GUID;
+
+/**
+ * Download as zip record test.
+ * <pre>Tests for <a href="https://issues.alfresco.com/jira/browse/MNT-21292">MNT-21292</a> </pre>
+ * @author Rodica Sutu
+ * @since 3.2.0.1
+ */
+public class DownloadAsZipRecordTest extends BaseRMTestCase
+{
+    private DownloadService downloadService;
+
+    @Override
+    protected boolean isCollaborationSiteTest()
+    {
+        return true;
+    }
+
+    /**
+     * @see org.alfresco.module.org_alfresco_module_rm.test.util.BaseRMTestCase#initServices()
+     */
+    @Override
+    protected void initServices()
+    {
+        super.initServices();
+        downloadService = (DownloadService) applicationContext.getBean("DownloadService");
+    }
+
+    /**
+     * Given a record and a user without view record capability
+     * When the user downloads the record
+     * Then Access Denied exception is thrown
+     */
+    public void testDownloadRecordUserNoReadCapability()
+    {
+
+        doBehaviourDrivenTest(new BehaviourDrivenTest(AccessDeniedException.class)
+        {
+            /** user with no view record capability */
+            String userDownload;
+            Authentication previousAuthentication;
+
+            public void given()
+            {
+                // create an inplace record
+                AuthenticationUtil.runAs((RunAsWork<Void>) () -> {
+                    recordService.createRecord(filePlan, dmDocument);
+                    return null;
+                }, AuthenticationUtil.getAdminUserName());
+                // create user
+                userDownload = GUID.generate();
+                createPerson(userDownload);
+            }
+
+            public void when()
+            {
+                previousAuthentication = AuthenticationUtil.getFullAuthentication();
+                AuthenticationUtil.setFullyAuthenticatedUser(userDownload);
+                downloadService.createDownload(new NodeRef[] { dmDocument }, true);
+            }
+
+            public void after()
+            {
+                AuthenticationUtil.setFullAuthentication(previousAuthentication);
+                personService.deletePerson(userDownload);
+            }
+        });
+    }
+
+    /**
+     * Given a record and a user with view record capability
+     * When the user downloads the record
+     * Then download node is created
+     */
+    public void testDownloadRecordUserWithReadCapability()
+    {
+        doBehaviourDrivenTest(new BehaviourDrivenTest()
+        {
+            NodeRef downloadStorageNode;
+
+            public void given()
+            {
+                // Create an inplace record
+                AuthenticationUtil.runAs((RunAsWork<Void>) () -> {
+                    // Declare record
+                    recordService.createRecord(filePlan, dmDocument);
+                    return null;
+                }, dmCollaborator);
+            }
+
+            public void when()
+            {
+                Authentication previousAuthentication = AuthenticationUtil.getFullAuthentication();
+                AuthenticationUtil.setFullyAuthenticatedUser(dmCollaborator);
+                //  request to download the record
+                downloadStorageNode = downloadService.createDownload(new NodeRef[] { dmDocument }, true);
+                AuthenticationUtil.setFullAuthentication(previousAuthentication);
+            }
+
+            public void then()
+            {
+                // check the download storage node is created
+                assertTrue(nodeService.exists(downloadStorageNode));
+            }
+        });
+    }
+}