Urban Reign requires the memory card to be properly formatted. Go to System > Boot BIOS , navigate to the PS2 Browser, select your card, and select "Format".
For those looking to optimize their Urban Reign experience on the urban reign memory card pcsx2
If you want to use a to unlock characters like Shun Ying Lee or Golem, or to skip challenging levels, you need to import a save file from the internet. The standard tool for this is MyMC (My Memory Card) . How to Import a 100% Save File: Urban Reign requires the memory card to be