Embargo is stopping United helping City fans’ dream (12)

I believe the answer is:

urbanisation

I'm a little stuck... Click here to teach me more about this clue!

'city fans' dream' is the definition.
I can't tell whether this defines the answer.

'embargo is stopping united helping' is the wordplay.
'embargo' becomes 'ban' (a ban on trade).
'stopping' means one lot of letters goes inside another (stopping can mean blocking a gap).
'united' becomes 'U' (abbreviation as in Man U for Manchester United).
'helping' becomes 'ration' (a ration is a serving or helping).
'ban'+'is'='banis'
'u'+'ration'='uration'
'banis' placed inside 'uration' is 'URBANISATION'.

Can you help me to learn more?

(Another definition for urbanisation that I've seen is " Process of becoming more built-up".)

I've seen this clue in The Times.

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