Fair Contributions: Interest on Visitor Debt — A Build Forward Proposal

Public speaking package for Hamilton City Council: full 5-minute speech, one-page handout, and slide outline.

Planning to speak? Apply via the Council page: Speaking at meetings & presenting petitions (Hamilton City Council).

Purpose

Why this proposal

Visitors enjoy Hamilton’s roads, parks, venues and services. When some leave unpaid obligations, the cost shifts to residents. This proposal asks Council to investigate a clear, lawful, and transparent interest-on-visitor-debt policy so everyone contributes fairly.

  • Fairness: Residents shouldn’t subsidise unpaid visitor use.
  • Fiscal discipline: Aligns with existing late-payment principles.
  • Transparency: Annual reporting and ring-fenced proceeds.
Quick actions

Call to action

  1. Direct staff to prepare a policy paper on visitor debt and interest recovery options.
  2. Consult on options in the 2026–36 Long-Term Plan process.
  3. Publish annual visitor-debt metrics and projects funded by collected interest.

Full 5-Minute Speech

Tip: You have up to 5 minutes. The structure below fits comfortably at a calm pace.

Speech text

Kia ora e te Koromatua, Councillors, and fellow residents.
My name is Roderick J. Young, speaking as a ratepayer who believes in fair rates, transparent books, and growth without gouging.

Hamilton is a welcoming city. Each week, thousands of visitors use our roads, our parks, our parking, our water, and our venues. We want them here — but when they leave behind unpaid obligations, the cost doesn’t vanish. It transfers to residents.

At present, Council charges interest on overdue rates and some internal debts — but not consistently on visitor-related debts, such as unpaid parking, venue hire, or event costs. Many of these visitors are transient or corporate entities that use our infrastructure and then disappear without paying on time.

I propose that Hamilton City Council investigate a structured “Visitor Debt Interest Policy.”

The Problem

  • Unpaid debts by non-residents accumulate quietly.
  • Small items are often written off as not worth pursuing — but together they add up.
  • Residents effectively subsidise these losses through rates and borrowing.

The Proposal

  1. Define Visitor Debt: Debts incurred by people or companies without residential or rating presence in Hamilton.
  2. Apply Standardised Interest: After 30 days overdue, interest at Council’s average cost of borrowing + 2%.
  3. Automate Recovery: Use existing debt systems and enforcement integrations.
  4. Ring-Fence Proceeds: Interest flows to a Visitor Infrastructure Fund for CBD footpaths, parks, and public toilets.
  5. Transparency: Publish annual data on visitor debts, recovered interest, and reinvested projects.

The Benefits

  • Fairness: Residents are protected from subsidising unpaid visitor use.
  • Fiscal responsibility: Aligns with existing late-payment norms.
  • Signal: Hamilton welcomes visitors — on fair, responsible terms.
  • Open Books: Clear, annual reporting builds trust.

Legal & Practical Fit

Charging interest on overdue debts is a standard tool and consistent with Council’s financial management and revenue policies under the Local Government Act 2002 (e.g., ss 101–103). Other NZ jurisdictions already use visitor-oriented charges or levies; this proposal focuses narrowly on interest for unpaid visitor obligations.

Call to Action

Direct staff to prepare a policy paper on visitor debt management and interest recovery. Include options in the 2026–36 Long-Term Plan consultation. Ensure residents’ contributions are matched by visitor responsibility.

Ngā mihi nui — thank you.

One-Page Handout (Summary)

Title: Visitor Debt Interest Policy — A Build Forward Proposal
Presenter: Roderick J. Young | Ratepayer & Candidate for Hamilton West | roderickjy.github.io

Background

  • Visitors use local infrastructure and services.
  • Some leave unpaid obligations (e.g., parking, venue fees, event costs).
  • Residents shoulder the loss through rates and borrowing.

Proposal (5 steps)

StepActionDetail
1Define Visitor DebtIdentify debts by non-residents/non-rating entities
2Apply InterestBorrowing rate + 2% after 30 days overdue
3Automate RecoveryIntegrate with existing debt/enforcement systems
4Ring-Fence RevenueCreate “Visitor Infrastructure Fund”
5Report AnnuallyPublish debts, interest recovered, funded projects

Benefits

  • Fairness for residents
  • Encourages prompt payment
  • Offsets recovery costs
  • Supports CBD amenities used by visitors

Call to Action

Commission a staff report and consult through the 2026–36 LTP.

Slide Deck Outline (3–4 Slides)

Slide 1 — Title

Fair Contributions: Interest on Visitor Debt
Presented by Roderick J. Young | Build Forward | roderickjy.github.io

Slide 2 — The Problem

  • Visitors use services, some debts go unpaid.
  • Residents subsidise the gap.
  • Unpaid sums accumulate across many small items.

Slide 3 — The Proposal

  1. Define visitor debt.
  2. Interest at borrowing rate + 2% after 30 days.
  3. Ring-fence proceeds for public amenities.
  4. Annual reporting.

Slide 4 — Benefits

Fairness • Transparency • Fiscal discipline • Resident relief

Anticipated Questions

How do you define “visitor” fairly?

Use a practical definition tied to residency or rating presence in Hamilton, with carve-outs for genuine hardship and clear guidance for commercial entities operating temporarily in the city.

Which debts are covered?

Examples include unpaid parking, venue hire, event-related charges, and other Council invoices arising from visitor activity; rates arrears are already separately managed.

Is this a “tourism tax”?

No. This proposal concerns interest on unpaid obligations already incurred — not a new levy on compliant visitors.

Will this harm tourism?

Compliant visitors are unaffected. The approach incentivises timely payment and funds amenities they enjoy, improving the visitor experience.

How is it lawful?

Interest on overdue debts aligns with Council’s financial management and revenue policies under the Local Government Act 2002 (e.g., ss 101–103). Implementation details would be confirmed in a staff report and legal review.

Speaking Logistics

  • Public forum slots are typically up to 5 minutes per speaker at the start of meetings.
  • Apply in advance via the Governance & Assurance online form and specify your topic.
  • If using handouts or slides, email them to the Governance team at least 24 hours beforehand.
  • Arrive early, sit in the public gallery, and be ready for questions from members.

Official info: Speaking at meetings & presenting petitions — Hamilton City Council

Contact & Attribution

Author: Roderick J. Young — “Build Forward” platform.

Website: roderickjy.github.io

Licensing: You may reuse this page text with attribution for civic participation.