We overcome the terrors of sin and death not through love, but through faith...

From these statements we hope that it is clear both what faith is and that we are justified, reconciled, and regenerated through faith.  We are compelled to hold on to these teachings because we want to teach the righteousness of the Gospel, not the righteousness of the Law.  For those who teach that we are justified by love teach the righteousness of the Law. They do not teach us in justification to trust in Christ as Mediator.  These things are also clear.  We overcome the terrors of sin and death not through love, but through faith.  For we cannot set up our love and fulfilling of the Law against God's wrath, because Paul says, "Through [Christ] we have also obtained access [to God] by faith" (Romans 5:2).  We emphasize this sentence so that we are understood.  The sentence shows most clearly our whole argument and, when carefully considered, can teach abundantly about the whole matter.  It can console good minds.  So, it is helpful to have it against the doctrine of our adversaries.  They teach that we come to God not through faith, but through love and merits, without Christ as Mediator.  This sentence also helps us when we fear, so that we may cheer ourselves and exercise faith.  This is also clear.  We cannot keep the Law without Christ's aid.  He Himself says, "Apart from me you can do nothing (John 15:5).  So, before we keep the Law, our hearts must be born again through faith.
~BOC, AP, V (III), 192-194