I'm not sure where the line is for "chromatic" for fantasy settings but here's how I would mark the Final Fantasy games I know:
ff8: Kiros, Raijin; ff10: Wakka (not sure if he's just darkly tan or not as he is an islander), the Al Bhed are an ethnic minority in the game's world and there are various mentions of racism against them through the game (Rikku, Brother, Cid, and Gippal (x-2 only) are the main al bhed characters); ff12: Reddas, Al-Cid, possibly Fran and the other Viera.
If I notice any others I can help with as I go through the list, I will comment again!
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ff8: Kiros, Raijin; ff10: Wakka (not sure if he's just darkly tan or not as he is an islander), the Al Bhed are an ethnic minority in the game's world and there are various mentions of racism against them through the game (Rikku, Brother, Cid, and Gippal (x-2 only) are the main al bhed characters); ff12: Reddas, Al-Cid, possibly Fran and the other Viera.
If I notice any others I can help with as I go through the list, I will comment again!