To reject the promise that sins are freely forgiven for Christ's sake is to abolish the Gospel...

In order for the subject to be made quite clear, we have shown well enough so far, both from testimonies of Scripture and arguments derived from Scripture, that we receive forgiveness of sins for Christ's sake through faith alone.  We have shown that through faith alone we are justified, that is, unrighteous people are made righteous, or regenerated.  How necessary the knowledge of this faith is can be easily judged.  Because Christ's office is recognized in this alone, we receive Christ's benefits by this alone.  Only this teaching brings sure and firm consolation to pious minds.  In the Church there must be teaching by which the pious may receive the sure hope of salvation.  For the adversaries give people bad advice when they tell them to doubt whether they receive forgiveness of sins.  How will such persons sustain themselves in death who have heard nothing of this faith and think that they ought to doubt whether they receive forgiveness of sins?  Besides, it is necessary that the Gospel be kept in Christ's Church, namely, the promise that sins are freely forgiven for Christ's sake.  Those who teach nothing of this faith we speak about, completely abolish the Gospel.  But the Scholastics mention not even a word about this faith. Our adversaries follow them and reject this faith.  Nor do they see that by rejecting this faith they abolish the entire promise about the free forgiveness of sins and the righteousness of Christ.
~BOC, AP, IV (II), 117-121.

Faith is a work of the Holy Spirit, by which we are freed from death and terrified minds are encouraged and brought to life...

Truly it is amazing that the adversaries are in no way moved by so many passages of Scripture, which clearly credit justification to faith.  Indeed, Scripture denies this ability to works.  Do they think that the same point is repeated so often for no purpose?  Do they think that these words fell thoughtlessly from the Holy Spirit?  But they have also come up with sophisticated tricks by which they escape these passages.  They say that these passages of Scripture (that speak of faith) ought to be received as referring to faith that has been formed (fides formata).  This means they do not credit justification to faith in any way, but only to love, because they dream that faith can coexist with mortal sin.  Where does this go?  They again abolish the promise and return to the Law.  If faith receives forgiveness of sins because of love, forgiveness of sins will always be uncertain, because we never love as much as we ought to.  Indeed, we do not love unless our hearts are firmly convinced that forgiveness of sins has been granted to us.  So the adversaries, in forgiveness of sins and justification, require confidence in one's love.  In this way, they completely abolish the Gospel about the free forgiveness of sins; although, at the same time, they do not offer this love or understand it, unless they believe that forgiveness of sins is freely received.

We also say that love ought to follow faith, as Paul says in Galatians 5:6: "For in Christ Jesus neither circumcision nor uncircumcision counts for anything, but only faith working through love."

Yet, we must not think that by confidence in this love, or because of this love, we receive forgiveness of sins and reconciliation, just as we do not receive forgiveness of sins because of the works that follow.  But forgiveness of sins is received by faith alone.  Indeed, this is properly called faith because the promise cannot be received except by faith.  Faith, properly called, is what believes this promise.  Scripture speaks of this faith.  Because faith receives forgiveness of sins and reconciles us to God, we are (like Abraham) counted as righteous for Christ's sake before we love and before we do the works of the Law, although love necessarily follows.

Nor, indeed, is this faith an idle knowledge, neither can it coexist with mortal sin.  It is a work of the Holy Spirit, by which we are freed from death and terrified minds are encouraged and brought to life.  Because this faith alone receives forgiveness of sins, makes us acceptable to God, and brings the Holy Spirit, it could be more correctly called "grace making one pleasing to God" (gratia gratum faciens).  It could not be called an effect following faith (i.e., love).
~BOC, AP, IV (II), 107-116

To deny that faith justifies teaches nothing but the Law, setting aside both Christ and the Gospel...

... Just as it is necessary to keep this statement—Christ as Mediator—so it is necessary to defend that faith justifies.  For how will Christ be Mediator if we do not use Him as Mediator in justification, if we do not hold that we are counted righteous for His sake?  To believe is to trust in Christ's merits, that for His sake God certainly wishes to be reconciled with us.  Here is a similar point:  Just as we should defend that the promise of Christ is necessary apart from the Law, so also should we defend that faith justifies.  For the Law cannot be performed unless the Holy Spirit is received first.  It is, therefore, necessary to defend that the promise of Christ is necessary.  But this cannot be received except through faith.  Therefore those who deny that faith justifies teach nothing but the Law, both Christ and the Gospel being set aside.
~BOC, Apology, IV (II), 69-70

Virginity is a more excellent gift than marriage, but for Christ's sake each person receives the forgiveness of sins and through faith is regarded righteous before God...

We are justified neither because of virginity nor because of marriage, but freely for Christ's sake, when we believe that for His sake God is merciful to us.  Here perhaps they will cry out that, like Jovinian, marriage is made equal to virginity.  But, because of such racket, we will not reject the truth about the righteousness of faith, which we explained before.  Yet we do not make virginity and marriage equal. For just as one gift excels another, as prophecy surpasses power of speech, the science of military affairs excels agriculture, and power of speech excels architecture, so virginity is a more excellent gift than marriage. Just as a public speaker is no more righteous before God because of his ability to speak than an architect because of his skill in architecture, so a virgin does not merit justification by virginity more than a married person merits it by conjugal duties.  Each person should faithfully serve in his own gift and believe that for Christ's sake he receives the forgiveness of sins and through faith is regarded righteous before God.

Neither does Christ or Paul praise virginity because it justifies, but because it is freer and less distracted with domestic occupations, in praying, teaching, and serving.  For this reason Paul says, "The unmarried man is anxious about the things of the Lord" (I Corinthians 7:32).  Virginity, therefore, is praised because of mediation and study.

~BOC, AP, XXIII (XI), 36-40

We receive justification by faith in Jesus Christ, through the Word of God and as a Work of the Holy Spirit...

Christ, in the last chapter of Luke, commands "that repentance and forgiveness of sins should be proclaimed in His name" (24:27).  The Gospel convicts all people that they are under sin, that they are subject to eternal wrath and death.  It offers, for Christ's sake, forgiveness of sin and justification, which is received through faith.  The preaching of repentance (which accuses us) terrifies consciences with true and grave terrors.  In these matters, hearts ought to receive consolation again.  This happens if they believe Christ's promise, that for His sake we have forgiveness of sins.  This faith, encouraging and consoling in these fears, receives forgiveness of sins, justifies, and gives life.  For this consolation is a new birth and spiritual life.  These things are plain and clear and can be understood by the pious.  They also have testimonies of the Church.  The adversaries cannot say how the Holy Spirit is given.  They imagine that the Sacraments give the Holy Spirit by the outward act (ex opere operato), without a good emotion in the one receiving them, as though, indeed, the gift of the Holy Spirit were a useless manner.

We speak of the kind of faith that is not an idle thought, but that liberates from death and produces a new life in hearts.  This is the work of the Holy Spirit.  This does not coexist with mortal sin.  As long as faith is present, it produces good fruits, as we will explain later.  About the conversion of the wicked, or about the way of regeneration, what can be said that is simpler or clearer?  Let the Scholastics, from so great a host of writers, produce a single commentary upon the Sentences that speaks about the way of regeneration.  When they speak of the habit of love, they imagine that people merit it through works.  They do not teach that it is received through the Word.  They teach just like the Anabaptists teach at this time.  But God cannot be interacted with, God cannot be grasped, except through the Word.  So justification happens through the Word, just as Paul says in Romans 1:16. "[The Gospel] is the power of God for salvation to everyone who believes."  Likewise, he says in 10:17, "Faith comes from hearing."  Proof can be derived even from this:  faith justifies because, if justification happens only through the Word, and the Word is understood only by faith, it follows that faith justifies.
~BOC, AP, IV (II), 61-68

All Scripture, including the doctrine of election, is written for us, not to be driven to despair, but to have hope...

This eternal election or ordination of God to eternal life must not be considered in God's secret, mysterious counsel in a simple-minded way.  It is not as though election included nothing further, or nothing more belonged to it, or nothing more were to be considered in it, that that God foresaw who and how many were to be saved and who and how many were to be damned.  Nor should we think that He only held a sort of military muster, such as, "This one shall be saved, that one shall be damned; this one shall remain steadfast in faith to the end, that one shall not remain steadfast."

From this notion many get and imagine strange, dangerous, and deadly thoughts.  These cause and strengthen either self-confidence and lack of repentance or hopelessness and despair.  So people fall into troublesome thoughts, and say, "Before the foundation of the world was laid" (Ephesians 1:4), God has foreknown His elect to salvation.  And God's foreknowledge cannot fail or be hindered or changed by anyone.  In view of this, if I am elected to salvation, nothing can hurt me, even if I perform all sorts of shameful sins without repentance, have no regard for the Word and Sacraments, concern myself neither with repentance, faith, prayer, or godliness.  I will and must still be saved, because God's foreknowledge must come to pass. If, however, I am not foreknown, nothing helps me anyway, even though I busy myself with the Word, repent, believe, and so on.  For I cannot hinder or change God's foreknowledge."

In fact, even when godly hearts have repentance, faith, and good intentions to live by God's grace in a godly way, thoughts like these arise:  "If you are not foreknown from eternity to salvation, your every effort and entire labor is no help."  This happens especially when they see their weakness and the examples of those who have not persevered, but have fallen away again.

Against this false delusion and thought we should set up the following clear argument, which is sure and cannot fail:  All Scripture is inspired by God.  It is not for self-confidence and lack of repentance, but "for reproof, for correction, and for training in righteousness" (2 Timothy 3:16).  Also, everything in God's Word has been written for us, not so that we should be driven to despair by it, but so that "through the encouragement of Scriptures we might have hope" (Romans 15:4).  Therefore, there is no question that lack of repentance or despair should not in any way be caused or strengthened by the sound sense or right use of this teaching about God's eternal foreknowledge.  The Scriptures teach this doctrine only to direct us to the Word to encourage repentance and godliness, and to strengthen faith and assure us of our salvation.
~BOC, FSD, XI, 9-12

Forgiveness comes through grace, without any work, merit, or worthiness of ours preceding, present, or following...

We believe, teach, and confess what our righteousness before God is this:  God forgives our sins out of pure grace, without any work, merit, or worthiness of ours preceding, present, or following.  He presents and credits to us the righteousness of Christ's obedience.  Because of this righteousness, we are received into grace by God and regarded as righteous.

We believe, teach, and confess that faith alone is the means and instrument through which we lay hold of Christ.  So in Christ we lay hold of that righteousness that benefits us before God, for whose sake this faith is credited to us for righteousness.

We believe, teach and confess that this faith is not a bare knowledge of Christ' history, but it is God's gift.  By this gift we come to the right knowledge of Christ as our Redeemer in the Word of the Gospel. And we trust in Him that for the sake of His obedience alone we have--by grace--the forgiveness of sins and are regarded as holy and righteous before God the Father and are eternally saved.
~BOC, FE, III, 4-6

We must always run back to the promise...

Paul knows that through faith he is counted righteous for Christ's sake, according to the passage "Blessed is the one whose transgression is forgiven" (Psalm 32:1).  But this forgiveness is always received through faith.  Likewise, the credit for the righteousness of the Gospel comes from the promise.  Therefore, it is always received through faith.  It must always be regarded as certain that we are counted righteous through faith for Christ's sake.  If the regenerate afterward think that they will be accepted because of the the fulfilling of the Law, when would a conscience be certain that it pleased God?  We never satisfy the Law!  So we must always run back to the promise.  Our infirmity must be recognized in this manner.
~BOC, AP, V (III), 42-44

Faith means not merely knowledge of, but also belief in the purpose of history...

Faith means not only a knowledge of the history, but the kind of faith that believes in the promise.  Paul plainly testifies about this when he says in Romans 4:16, "That is why it depends on faith, in order that the promise may rest on grace and be guaranteed."  He judges that the promise cannot be received unless it come through faith. Therefore, he puts them together as things that belong to one another.  He connects the promise and faith.  It will be easy to decide what faith is if we consider the Creed, where this article certainly stands: the forgiveness of sins.  It is not enough to believe that Christ was born, suffered, was raised again, unless we add also this article, which is the purpose of the history: the forgiveness of sins. I mean that because of Christ, and not become of our merits, forgiveness of sins is given to us. For what need was there that Christ was given for our sins if our merits can make satisfaction for our sins?
~BOC, AP, IV (II), 50-52

The outward act of the Lord's Supper does not give grace...

We showed in our Confession our belief that the Lord's Supper does not give grace by the outward act (ex opera operato) and that, when applied on behalf of others, alive or dead, it does not merit for them the forgiveness of sins, guilt, or punishment by the outward act.  This position is supported by a clear and firm proof.  It is impossible to receive the forgiveness of our sins because of our own work by the outward act.  The terrors of sin and death must be overcome through faith when we comfort our hearts with the knowledge of Christ and believe that for His sake we are forgiven and that His merits and righteousness are granted to us, "since we have been justified by faith, we have peace" (Romans 5:1). These things are so sure and so firm that they can stand against the gates of hell.
~BOC, AP, XXIV (XII)11-12

Even the Prophets and the Psalms teach free mercy and forgiveness of sins by faith...

Throughout the Prophets and the Psalms this worship (this latreia) is highly praised, even though the Law does not teach the free forgiveness of sins.  The Old Testament Fathers knew the promise about Christ, that God for Christ's sake wanted to forgive sins.  They understood that Christ would be the price for our sins.  They knew that our works are not a price for so great a matter.  So they received free mercy and forgiveness of sins by faith, just as the saints in the New Testament.  To this point belong those frequent repetitions about free mercy and forgiveness of sins by faith that appear in the Psalms and the Prophets.  For example, Psalm 130:3 says, "If You, O LORD, should mark iniquities, O Lord, who could stand?"  Here David confesses his sins and does not list his merits.  He adds, "But with You there is forgiveness" (v.4). Here he comforts himself by his trust in God's mercy, and he refers to the promise, "I wait for the LORD, my soul waits, and in His word I hope" (v. 5).  This means, "Because You have promised the forgiveness of sins, I am sustained by Your promise."  Therefore, the Fathers also were justified, not by the Law, but by the promise and faith.  It is amazing that the adversaries diminish faith to such a degree, even though they see that it is everywhere praised as a great service.  For example, Psalm 50:15 says, "Call upon Me in the day of troubles; I will deliver you."  God wants Himself to be known.  He wants Himself to be worshipped, so that we receive benefits from Him and receive them because of His mercy, not because of our merits.  This is the richest consolation in all afflictions.  The adversaries band such consolation when they diminish and disparage faith and teach only that by means of works and merits people interact with God.
~BOC, AP, IV (II), 57-60

Preaching and faith are our daily sacrifice...

They also cite the daily sacrifice.  Just as there was a daily sacrifice in the Law,  so the Mass should be a daily sacrifice of the New Testament.  The adversaries have made out well if we allow ourselves to be overcome by allegories.  Clearly allegories do not produce firm proof.  We readily allow the Mass to be understood as a daily sacrifice, as long as that includes the entire Mass:  the ceremony with the preaching of the Gospel, faith, invocation, and thanksgiving.  Joined together, these are a daily sacrifice of the New Testament because the ceremony of the Mass, or the Lord's Supper, was set up because of these things.  The Mass is not to be separated from them.  So Paul says, "For as often as you eat this bread and drink the cup, you proclaim the Lord's death until He comes" (I Corinthians 11:26).  But it cannot be shown from this Levitical type that a ceremony justifying by the outward work (ex opere operato) is necessary, or should be applied on behalf of others, that it may merit the forgiveness of sins for them.

The type represents appropriately not only the ceremony, but also the preaching of the Gospel.  In Numbers 28:4-8, three parts of that daily sacrifice are represented:  the burning of the lamb, the drink offering, and the offering of wheat flour.  The Law had pictures or shadows of future things.  So Christ and the entire worship of the New Testament are shown in this picture.  The burning of the lamb illustrates Christ's death.  The drink offering illustrates that everywhere in the entire world, by the preaching of the Gospel, believers are sprinkled with the blood of that Lamb, that is, sanctified.  Peter says, "In the sanctification of the Spirit, for obedience to Jesus Christ and for sprinkling with His blood" (I Peter 1:2).  The offering of wheat flour means faith, prayer, and thanksgiving in hearts.  Therefore, in the Old Testament, the shadow is discerned.  In the New, the thing illustrated should be sought, and not another type, as sufficient for a sacrifice.

Although a ceremony is a memorial of Christ's death, it alone is not the daily sacrifice.  The memory itself is the daily sacrifice, that is, preaching and faith.  Faith truly believes that, by Christ's death, God has been reconciled.  A drink offering is required, that is, the effect of preaching, in order that, being sprinkled by the Gospel with the blood of Christ, we may be sanctified, as those put to death and made alive.  Offerings are also required, that is, thanksgiving, confession, and troubles.
~BOC, AP, XXIV (XII), 35-38

Christ makes Himself present in the Lord's Supper not by our faith, but by His almighty power...

It is not our faith that makes the Sacrament, but only the true Word and institution of our almighty God and Savior, Jesus Christ.  His Word always is and remains effective in the Christian Church.  It is not invalidated or rendered ineffective by the worthiness or unworthiness of the minister, nor by the unbelief of the one who receives it.  This is just like the Gospel.  Even though godless hearers do not believe it, the Gospel is and remains nonetheless the true Gospel, only it does not work for salvation in the unbelieving.  So whether those who receive the Sacrament believe or do not believe, Christ remains nonetheless true in His words when He says, "Take, eat; this is My body."  He makes Himself present not by our faith, but by His almighty power.
~BOC, FSD, VII, 89

Worthiness to receive the Lord's Supper does not depend on the greatness or smallness, the weakness or strength of faith, but on Christ's merit...

It must be carefully explained who the unworthy guests of this Supper are.  They are those who go to this Sacrament without true repentance and sorrow for their sins, without true faith and the good intention of amending their lives.  By their unworthy oral eating of Christ's body, they load themselves with damnation (i.e., with temporal and eternal punishments) and become guilty of profaning Christ's body and blood.

Some Christians have a weak faith and are shy, troubled, and heartily terrified because of the great number of their sins.  They think that in their great impurity they are not worthy of this precious treasure and Christ's benefits. They feel their weakness of faith and lament it, and from their hearts desire that they may serve God with stronger, more joyful faith and pure obedience.  These are the true worthy guests for whom this highly venerable Sacrament has been especially instituted and appointed.  For Christ says:

Come to Me, all who labor and are heavy laden, and I will give you rest. (Matthew 11:28)

Those who are well have no need of a physician, but those who are sick. (Matthew 9:12)

[God's] power is made perfect in weakness. (2 Corinthians 12:9)

As for the one who is weak in faith, welcome him; ... for God has welcomed him. (Romans 14:1-3)

Whoever believes in [the Son of God, be it with a strong or with a weak faith] may have eternal life. (John 3:15)

Worthiness does not depend on the greatness or smallness, the weakness or strength of faith.  Instead it depends on Christ's merit, which the distressed father of little faith enjoyed as well as Abraham, Paul, and others who have a joyful and strong faith.
~BOC, FSD, VII, 68-71

Renewal, sanctification, love, virtue, and good works cannot and should not be drawn into, or mixed in with, the article of justification before God...

Here belongs also what St. Paul writes in Romans 4:3.  Abraham was justified before God through faith alone, for the sake of the Mediator, without the cooperation of his works.  This was true not only when Abraham was first converted from idolatry and had no good works, but also afterward, when he had been renewed by the Holy Spirit and adorned with many excellent good works.  Paul asked the following question in Romans 4:1-3:  At that time, on what did Abraham's righteousness before God rest for everlasting life, by which he had a gracious God and was pleasing and acceptable to Him?

He answers:

To the one who does not work but trusts Him who justifies the ungodly, his faith is counted as righteousness, just as David also speaks of the blessing of the one to whom God counts righteousness apart from works. (Romans 4:5-6)

Therefore, even though people who are converted and believe in Christ have the beginning of renewal, sanctification, love, virtue, and good works, these cannot and should not be drawn into, or mixed in with, the article of justification before God. This is so the honor due to Christ may remain with Christ the Redeemer and tempted consciences may have a sure consolation, since our new obedience is incomplete and impure.
~BOC, FSD, III, 33-35

Faith, not love, justifies...

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 often 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 at hand and in sight, that we may be able to set 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

We must not enact traditions, in addition to the Gospel, as if they are acts of forgiveness or righteousness...

We must keep in the Church the doctrine that we receive the forgiveness of sins freely for Christ's sake, through faith.  We must also keep the doctrine that human traditions are useless services and, therefore, neither sin nor righteousness should be placed in meat, drink, clothing, and like things.  Christ wished the use of such things to be left free, since He says, "It is not what goes into the mouth that defiles a person" (Matthew 15:11); and Paul says, "The kingdom of God is not a matter of eating and drinking" (Romans 14:17).  Therefore, the bishops have no right to enact traditions in addition to the Gospel, so that people must merit the forgiveness of sins, or that they think are services that God approves as righteousness. They must not burden consciences (as though it were a sin to leave such observances undone).  All this is taught by that one passage in Acts 15:9, where the apostles (Peter) say that hearts are cleansed through faith.  Then they prohibit the imposing of a yoke and show how great a danger this is, and multiply the sin of those who burden the Church.  "Why do you tempt God?" they say.  Our adversaries are not terrified even by this thunderbolt.  They defend traditions and godless opinions with violence.
~BOC, AP, XXVIII (XIV), 7-8

The errors of the kingdom of the pope detract from Christ's glory and bring destruction to souls...

In this our consciences are excused well enough, for the errors of the kingdom of the pope are clear.  Scripture with its entire voice cries out that these errors are a teach of darkness and of Antichrist.  The idolatry in the abuse of the Masses is clear.  The Masses are used for the most shameful moneymaking.  The doctrine of repentance has been utterly corrupted by the pope and his followers.  They teach that sins are forgiven because of the value of our words.  Then they tell us to doubt whether the forgiveness takes place.  They nowhere teach that sins are forgiven freely for Christ's sake, and that by this faith we obtain forgiveness of sins.

So they hide Christ's glory and rob consciences of firm consolation.  They abolish true divine services (i.e., the exercises of faith struggling with despair).

They have clouded over the doctrine about sin.  They have invented a tradition about the listing of offenses, producing many errors and despair.

In addition, they have invented satisfactions, with which they have also hidden Christ's benefit.

From these, indulgences have been borne.  These are pure lies, fabricated for the sake of making money.

How many abuses and what horrible idolatry the invocation of saints has produced!

What shameful acts have arisen from the tradition of celibacy!

What darkness the doctrine of vows has spread over the Gospel!  They pretend that vows are righteousness before God and merit the forgiveness of sins.  So they have transferred the benefit of Christ to human traditions and have completely snuffed out the doctrine about faith.  They have pretended the most silly traditions are services of God and perfection.  They have preferred these to the works of the callings that God requires and has ordained.  These errors should not be treated lightly.  They detract from Christ's glory and bring destruction to souls.  They cannot be passed by unnoticed.
~BOC, PPP, 42-48

The Church is those who hear the voice of their Shepherd...

We do not agree with them that they are the Church.  They are not the Church.  Nor will we listen to those things that, under the name of Church, they command or forbid.  Thank God, today a seven-year-old child knows what the Church is, namely, the holy believers and lambs who hear the voice of their Shepherd.  For the children pray, "I believe in one holy Christian Church."  This holiness does not come from albs, tonsures, long gowns, and other ceremonies they made up without Holy Scripture, but from God's Word and true faith.
~BOC, SA, III, XII, 1-3

Repentance holds contrition and faith...

We have declared why we assigned these two parts, contrition and faith, to repentance.  We have done this willingly.  Many writings about repentance are published that cite the fathers in a butchered way,  The adversaries have distorted these to put faith out of sight.  Among these are, "Repentance is to lament past evils, and not to commit again deeds that ought to be lamented."  Again, "Repentance is a kind of vengeance of him who grieves, thus punishing in himself what he is sorry for having committed."  In these passages, no mention is made of faith.  Not even in the schools, when they interpret them, is anything added about faith.  Therefore, in order that the doctrine of faith might be clearer, we have named it among the parts of repentance. For experience shows that those passages are dangerous that require contrition or good works, and make no mention of justifying faith.  Caution can justly be desired in those who have collected these centos of the Sentences and decrees.  Since the Fathers speak in some places about one part of repentance, and in other places about another part, it would have been good to select and combine their judgement not only about one part but about both, that is, about contrition and faith.

...

Therefore, there are sentences written by the Fathers not only about contrition and works, but also about faith.  But the adversaries, since they understand neither the nature of repentance nor the language of the Fathers, select passages about a part of repentance, namely, about works.  They overlook the declarations made elsewhere about faith, since they do not understand them.
~BOC, AP, XII (V), 91-93, 97