These are the chapters with live links to the online Institutes

Introduction:
This is the topic of justification by faith alone, that in the hands and soul of Luther set off the Reformation.

Book III Chapter 11.

11. OF JUSTIFICATION BY FAITH.

BOTH THE NAME AND THE REALITY DEFINED.

In this chapter and the seven which follow, the doctrine of Justification by Faith is expounded, and opposite errors refuted. The following may be regarded as the arrangement of these chapters: - Chapter 11 states the doctrine, and the four subsequent chapters, by destroying the righteousness of works, confirm the righteousness of faith, each in the order which appears in the respective titles of these chapters. In Chapter 12 the doctrine of Justification is confirmed by a description of perfect righteousness; in Chapter 13 by calling attention to two precautions; in Chapter 14 by a consideration of the commencement and progress of regeneration in the regenerate; and in Chapter 15 by two very pernicious effects which constantly accompany the righteousness of works. The three other chapters are devoted to refutation; Chapter 16 disposes of the objections of opponents; Chapter 17 replies to the arguments drawn from the promises of the Law or the Gospel; Chapter 18 refutes what is said in support of the righteousness of faith from the promise of reward.

1. Connection between the doctrine of Justification and that of Regeneration. The knowledge of this doctrine very necessary for two reasons.

(Justification and regeneration, the terms defined, 1-4)
1. Place and meaning of the doctrine of "justification".

I trust I have now sufficiently shown how man's only resource for escaping from the curse of the law, and recovering salvation, lies in faith; and also what the nature of faith is, what the benefits which it confers, and the fruits which it produces. The whole may be thus summed up: Christ given to us by the kindness of God is apprehended and possessed by faith, by means of which we obtain in particular a twofold benefit; first, being reconciled by the righteousness of Christ, God becomes, instead of a judge, an indulgent Father; and, secondly, being sanctified by his Spirit, we aspire to integrity and purity of life. This second benefit, viz., regeneration, appears to have been already sufficiently discussed. On the other hand, the subject of justification was discussed more cursorily, because it seemed of more consequence first to explain that the faith by which alone, through the mercy of God, we obtain free justification, is not destitute of good works; and also to show the true nature of these good works on which this question partly turns. The doctrine of Justification is now to be fully discussed, and discussed under the conviction, that as it is the principal ground on which religion must be supported, so it requires greater care and attention. For unless you understand first of all what your position is before God, and what the judgment which he passes upon you, you have no foundation on which your salvation can be laid, or on which piety towards God can be reared. The necessity of thoroughly understanding this subject will become more apparent as we proceed with it.

2. The concept of justification.

Lest we should stumble at the very threshold, (this we should do were we to begin the discussion without knowing what the subject is,) let us first explain the meaning of the expressions, To be justified in the sight of God, to be Justified by faith or by works. A man is said to be justified in the sight of God when in the judgment of God he is deemed righteous, and is accepted on account of his righteousness; for as iniquity is abominable to God, so neither can the sinner find grace in his sight, so far as he is and so long as he is regarded as a sinner. Hence, wherever sin is, there also are the wrath and vengeance of God. He, on the other hand, is justified who is regarded not as a sinner, but as righteous, and as such stands acquitted at the judgment-seat of God, where all sinners are condemned. As an innocent man, when charged before an impartial judge, who decides according to his innocence, is said to be justified by the judge, as a man is said to be justified by God when, removed from the catalogue of sinners, he has God as the witness and assertor of his righteousness. In the same manner, a man will be said to be justified by works, if in his life there can be found a purity and holiness which merits an attestation of righteousness at the throne of God, or if by the perfection of his works he can answer and satisfy the divine justice. On the contrary, a man will be justified by faith when, excluded from the righteousness of works, he by faith lays hold of the righteousness of Christ, and clothed in it appears in the sight of God not as a sinner, but as righteous.

Thus we simply interpret justification, as the acceptance with which God receives us into his favor as if we were righteous; and we say that this justification consists in the forgiveness of sins and the imputation of the righteousness of Christ, (see sec. 21 and 23.)

notes: Justification is a legal term, the ideas surrounding it are all legal metaphors, with the final Judgement of God being the most prominent and most important one. Therefore all this discussion takes place in the shadow of the final Judgement, eternal life, and the resurrection of the body.

10. What is the nature of our union with Christ?

Moreover, lest by his cavils he deceive the unwary, I acknowledge that we are devoid of this incomparable gift until Christ become ours. Therefore, to that union of the head and members, the residence of Christ in our hearts, in fine, the mystical union, we assign the highest rank, Christ when he becomes ours making us partners with him in the gifts with which he was endued. Hence we do not view him as at a distance and without us, but as we have put him on, and been ingrafted into his body, he deigns to make us one with himself, and, therefore, we glory in having a fellowship of righteousness with him. ...

11. Osiander's doctrine of the essential righteousness nullifies the certainty of salvation.

... He certainly does not adduce the Psalmist as a witness that pardon of sins is a part of righteousness, or concurs with something else in justifying, but he includes the whole of righteousness in gratuitous forgiveness, declaring those to be blessed "whose iniquities are forgiven, and whose sins are covered," and "to whom the Lord will not impute sin." He estimates and judges of his happiness from this that in this way he is righteous not in reality, but by imputation. Osiander objects that it would be insulting to God, and contrary to his nature, to justify those who still remain wicked. But it ought to be remembered, as I already observed, that the gift of justification is not separated from regeneration, though the two things are distinct. But as it is too well known by experience, that the remains of sin always exist in the righteous, it is necessary that justification should be something very different from reformation to newness of life. This latter God begins in his elect, and carries on during the whole course of life, gradually and sometimes slowly, so that if placed at his judgment-seat they would always deserve sentence of death. He justifies not partially, but freely, so that they can appear in the heavens as if clothed with the purity of Christ. No portion of righteousness could pacify the conscience. It must be decided that we are pleasing to God, as being without exception righteous in his sight. Hence it follows that the doctrine of justification is perverted and completely overthrown whenever doubt is instilled into the mind, confidence in salvation is shaken, and free and intrepid prayer is retarded; yea, whenever rest and tranquillity with spiritual joy are not established. Hence Paul argues against objectors, that "if the inheritance be of the law, it is no more of promise," (Gal. 3: 18.) that in this way faith would be made vain; for if respect be had to works it fails, the holiest of men in that case finding nothing in which they can confide. This distinction between justification and regeneration (Osiander confounding the two, calls them a twofold righteousness) is admirably expressed by Paul. ...

15. The Roman doctrine of grace and good works

... In regard to vulgar Papists or Schoolmen, they are here doubly wrong, both in calling faith assurance of conscience while waiting to receive from God the reward of merits, and in interpreting divine grace to mean not the imputation of gratuitous righteousness, but the assistance of the Spirit in the study of holiness. ...

16. Our justification according to the judgment of Scripture

Scripture, when it treats of justification by faith, leads us in a very different direction. Turning away our view from our own works, it bids us look only to the mercy of God and the perfection of Christ. The order of justification which it sets before us is this: first, God of his mere gratuitous goodness is pleased to embrace the sinner, in whom he sees nothing that can move him to mercy but wretchedness, because he sees him altogether naked and destitute of good works. He, therefore, seeks the cause of kindness in himself, that thus he may affect the sinner by a sense of his goodness, and induce him, in distrust of his own works, to cast himself entirely upon his mercy for salvation. This is the meaning of faith by which the sinner comes into the possession of salvation, when, according to the doctrine of the Gospel, he perceives that he is reconciled by God; when, by the intercession of Christ, he obtains the pardon of his sins, and is justified; and, though renewed by the Spirit of God, considers that, instead of leaning on his own works, he must look solely to the righteousness which is treasured up for him in Christ. When these things are weighed separately, they will clearly explain our view, though they may be arranged in a better order than that in which they are here presented. But it is of little consequence, provided they are so connected with each other as to give us a full exposition and solid confirmation of the whole subject.

23. Righteous - not in ourselves but in Christ

Hence also it is proved, that it is entirely by the intervention of Christ's righteousness that we obtain justification before God. This is equivalent to saying that man is not just in himself, but that the righteousness of Christ is communicated to him by imputation, while he is strictly deserving of punishment. Thus vanishes the absurd dogma, that man is justified by faith, inasmuch as it brings him under the influence of the Spirit of God by whom he is rendered righteous. This is so repugnant to the above doctrine that it never can be reconciled with it. There can be no doubt that he who is taught to seek righteousness out of himself does not previously possess it in himself. This is most clearly declared by the Apostle, when he says, that he who knew no sin was made an expiatory victim for sin, that we might be made the righteousness of God in him (2 Cor. 5: 21.) You see that our righteousness is not in ourselves, but in Christ; that the only way in which we become possessed of it is by being made partakers with Christ, since with him we possess all riches. There is nothing repugnant to this in what he elsewhere says: "God sending his own Son in the likeness of sinful flesh, and for sin condemned sin in the flesh: that the righteousness of the law might be fulfilled in us," (Rom. 8: 3, 4.) Here the only fulfillment to which he refers is that which we obtain by imputation. Our Lord Jesus Christ communicates his righteousness to us, and so by some wondrous ways in so far as pertains to the justice of Gods transfuses its power into us. That this was the Apostle's view is abundantly clear from another sentiment which he had expressed a little before: "As by one man's disobedience many were made sinners, so by the obedience of one shall many be made righteous," (Rom. 5: 19.) To declare that we are deemed righteous, solely because the obedience of Christ is imputed to us as if it where our own, is just to place our righteousness in the obedience of Christ.

 Wherefore, Ambrose appears to me to have most elegantly adverted to the blessing of Jacob as an illustration of this righteousness, when he says that as he who did not merit the birthright in himself personated his brother, put on his garments which gave forth a most pleasant odour, and thus introduced himself to his father that he might receive a blessing to his own advantage, though under the person of another, so we conceal ourselves under the precious purity of Christ, our first-born brother, that we may obtain an attestation of righteousness from the presence of God. The words of Ambrose are, - "Isaac's smelling the odour of his garments, perhaps means that we are justified not by works, but by faith, since carnal infirmity is an impediment to works, but errors of conduct are covered by the brightness of faith, which merits the pardon of faults," (Ambrose de Jacobo et Vita Beats, Lib. 2, c. 2.) And so indeed it is; for in order to appear in the presence of God for salvation, we must send forth that fragrant odour, having our vices covered and buried by his perfection.

Book III Chapter 12.

12. NECESSITY OF CONTEMPLATING THE JUDGMENT-SEAT OF GOD, IN ORDER TO BE SERIOUSLY CONVINCED OF THE DOCTRINE OF GRATUITOUS JUSTIFICATION.

(Justification in the light of the majesty and perfection of God, 1-3)
1. No one is righteous before God's judgment seat

Although the perfect truth of the above doctrine is proved by clear passages of Scripture, yet we cannot clearly see how necessary it is, before we bring distinctly into view the foundations on which the whole discussion ought to rest. First, then, let us remember that the righteousness which we are considering is not that of a human, but of a heavenly tribunal; and so beware of employing our own little standard to measure the perfection which is to satisfy the justice of God. It is strange with what rashness and presumption this is commonly defined.  ... Hither must we turn our minds if we would inquire to any purpose concerning true righteousness; the question must be: How shall we answer the heavenly Judge when he calls us to account? Let us contemplate that Judge, not as our own unaided intellect conceives of him, but as he is portrayed to us in Scripture, (see especially the Book of Job,) with a brightness which obscures the stars, a strength which melts the mountains, an anger which shakes the earth, a wisdom which takes the wise in their own craftiness, a purity before which all things become impure, a righteousness to which not even angels are equal, (so far is it from making the guilty innocent,) a vengeance which once kindled burns to the lowest hell, (Exod. 34: 7; Nahum 1: 3; Deut. 32: 22.)  ... In short, the whole discussion of this subject will be insipid and frivolous, unless we cast ourselves before the heavenly Judge, and anxious for our acquittal, voluntarily humble ourselves, confessing our nothingness.

5. Away with all self-admiration!

Let us not decline to descend from this contemplation of the divine perfection, to look into ourselves without flattery or blind self-love. It is not strange that we are so deluded in this matter, seeing none of us can avoid that pestilential self-indulgence, which, as Scripture proclaims, is naturally inherent in all: "Every way of a man is right in his own eyes," says Solomon, (Prov. 21: 2.) And again, "All the ways of a man are clean in his own eyes," (Prov. 16: 2.) What then? does this hallucination excuse him? No, indeed, as Solomon immediately adds, "The Lord weigheth the spirits;" that is, while man flatters himself by wearing an external mask of righteousness, the Lord weighs the hidden impurity of the heart in his balance. Seeing, therefore, that nothing is gained by such flattery, let us not voluntarily delude ourselves to our own destruction. To examine ourselves properly, our conscience must be called to the judgment-seat of God. His light is necessary to disclose the secret recesses of wickedness which otherwise lie too deeply hid. Then only shall we clearly perceive what the value of our works is; that man, so far from being just before God, is but rottenness and a worm, abominable and vain, drinking in "iniquity like water." For "who can bring a clean thing out of an unclean? not one," (Job 14: 5.) Then we shall experience the truth of what Job said of himself: "If I justify myself, mine own mouth shall condemn me: if I say I am perfect, it shall prove me perverse," (Job 9: 20.) Nor does the complaint which the prophet made concerning Israel apply to one age only. It is true of every age, that "all we like sheep have gone astray; we have turned every one to his own way," (Isaiah 53: 6.) Indeed, he there comprehends all to whom the gift of redemption was to come. And the strictness of the examination ought to be continued until it have completely alarmed us, and in that way prepared us for receiving the grace of Christ. For he is deceived who thinks himself capable of enjoying it, until he have laid aside all loftiness of mind. There is a well-known declaration, "God resisteth the proud, but giveth grace to the humble," (1 Pet. 5: 5.)

6. What humility before God is

... consider, first, that there is no access to salvation unless all pride is laid aside and true humility embraced; secondly, that that humility is not a kind of moderation by which you yield to God some article of your right, (thus men are called humble in regard to each other when they neither conduct themselves haughtily nor insult over other, though they may still entertain some consciousness of their own excellence,) but that it is the unfeigned submission of a mind overwhelmed by a serious conviction of its want and misery. Such is the description every where given by the word of God.

8. Arrogance and complacency before God block our way to Christ

Therefore if we would make way for the call of Christ, we must put far from us all arrogance and confidence. The former is produced by a foolish persuasion of self-righteousness, when a man thinks that he has something in himself which deservedly recommends him to God; the latter may exist without any confidence in works. For many sinners, intoxicated with the pleasures of vice, think not of the judgment of God. Lying stupefied, as it were, by a kind of lethargy, they aspire not to the offered mercy. It is not less necessary to shake off torpor of this description than every kind of confidence in ourselves, in order that we may haste to Christ unencumbered, and while hungry and empty be filled with his blessings. Never shall we have sufficient confidence in him unless utterly distrustful of ourselves; never shall we take courage in him until we first despond of ourselves; never shall we have full consolation in him until we cease to have any in ourselves.

When we have entirely discarded all self-confidence, and trust solely in the certainty of his goodness, we are fit to apprehend and obtain the grace of God. "When," (as Augustine says,) "forgetting our own merits, we embrace the gifts of Christ, because if he should seek for merits in us we should not obtain his gifts," (August. de Verb. Apost. 8.) With this Bernard admirably accords, comparing the proud who presume in the least on their merits, to unfaithful servants, who wickedly take the merit of a favor merely passing through them, just as if a wall were to boast of producing the ray which it receives through the window, (Bernard, Serm. 13, in Cant.) Not to dwell longer here, let us lay down this short but sure and general rule, That he is prepared to reap the fruits of the divine mercy who has thoroughly emptied himself, I say not of righteousness, (he has none,) but of a vain and blustering show of righteousness; for to whatever extent any man rests in himself, to the same extent he impedes the beneficence of God.

Book III Chapter 13.

13. TWO THINGS TO BE OBSERVED IN GRATUITOUS JUSTIFICATION.

1. Justification serves God's honor; and revelation, his justice

Here two ends must be kept specially in view, namely, that the glory of God be maintained unimpaired, and that our consciences, in the view of his tribunal, be secured in peaceful rest and calm tranquillity.

When the question relates to righteousness, we see how often and how anxiously Scripture exhorts us to give the whole praise of it to God. Accordingly, the Apostle testifies that the purpose of the Lord in conferring righteousness upon us in Christ, was to demonstrate his own righteousness. The nature of this demonstration he immediately subjoins, viz., "that he might be just, and the justifier of him which believeth in Jesus," (Rom. 3: 25.) Observe, that the righteousness of God is not sufficiently displayed, unless He alone is held to be righteous, and freely communicates righteousness to the undeserving. For this reason it is his will, that "every mouth may be stopped, and all the world may become guilty before God," (Rom. 3: 19.) For so long as a man has any thing, however small, to say in his own defense, so long he deducts somewhat from the glory of God. Thus we are taught in Ezekiel how much we glorify his name by acknowledging our iniquity: "Then shall ye remember your ways and all your doings, wherein ye have been defiled; and ye shall loathe yourselves in your own sight, for all your evils that ye have committed. And ye shall know that I am the Lord, when I have wrought with you for my name's sake, not according to your wicked ways, nor according to your corrupt doings," (Ezek. 20: 43, 44.)

If part of the true knowledge of God consists in being oppressed by a consciousness of our own iniquity, and in recognizing him as doing good to those who are unworthy of it, why do we attempt, to our great injury, to steal from the Lord even one particle of the praise of unmerited kindness? In like manner, when Jeremiah exclaims, "Let not the wise man glory in his wisdom, neither let the mighty man glory in his might, let not the rich man glory in his riches: but let him that glorieth glory" in the Lord, (Jer. 9: 23, 24,) does he not intimate, that the glory of the Lord is infringed when man glories in himself? To this purpose, indeed, Paul accommodates the words when he says, that all the parts of our salvation are treasured up with Christ, that we may glory only in the Lord, (1 Cor. 1: 29.) For he intimates, that whosoever imagines he has any thing of his own, rebels against God, and obscures his glory.

2. He who glories in his own righteousness robs God of his honor

Thus, indeed, it is: we never truly glory in him until we have utterly discarded our own glory. It must, therefore, be regarded as an universal proposition, that whoso glories in himself glories against God. Paul indeed considers, that the whole world is not made subject to God until every ground of glorying has been withdrawn from men, (Rom. 3: 19.) Accordingly, Isaiah, when he declares that "in the Lord shall all the seed of Israel be justified" adds, "and shall glory (Isa. 45: 25 ,) as if he had said that the elect are justified by the Lord, in order that they may glory in him, and in none else. The way in which we are to glory in the Lord he had explained in the preceding verse, "Unto me every knee shall bow, every tongue shall swear;" "Surely, shall one say, in the Lord have I righteousness and strength, even to him shall men come." Observe, that the thing required is not simple confession, but confession confirmed by an oath, that it might not be imagined that any kind of fictitious humility might suffice. And let no man here allege that he does not glory, when without arrogance he recognizes his own righteousness; such a recognition cannot take place without generating confidence, nor such confidence without begetting boasting.

Let us remember, therefore, that in the whole discussion concerning justification the great thing to be attended to is, that God's glory be maintained entire and unimpaired; since as the Apostle declares, it was in demonstration of his own righteousness that he shed his favor upon us; it was "that he might be just, and the justifier of him which believeth in Jesus," (Rom. 3: 26.) Hence, in another passage, having said that the Lord conferred salvation upon us, in order that he might show forth the glory of his name, (Eph. 1: 6,) he afterwards, as if repeating the same thing, adds, "By grace are ye saved through faith; and that not of yourselves: it is the gift of God: not of works, lest any man should boast," (Eph. 2: 8.) And Peter, when he reminds us that we are called to the hope of salvation, "that ye should show forth the praises of him who has called you out of darkness into his marvelous light," (1 Pet. 2: 9,) doubtless intends thus to proclaim in the ears of believers only the praises of God, that they may bury in profound silence all arrogance of the flesh. The sum is, that man cannot claim a single particle of righteousness to himself, without at the same time detracting from the glory of the divine righteousness.

3. A glance at one's own righteousness provides no peace for the conscience

If we now inquire in what way the conscience can be quieted as in the view of God, we shall find that the only way is by having righteousness bestowed upon us freely by the gift of God. Let us always remember the words of Solomon, "Who can say I have made my heart clean, I am free from my sin?' (Prov. 20: 9.) Undoubtedly there is not one man who is not covered with infinite pollutions. Let the most perfect man descend into his own conscience, and bring his actions to account, and what will the result be? Will he feel calm and quiescent, as if all matters were well arranged between himself and God; or will he not rather be stung with dire torment, when he sees that the ground of condemnation is within him if he be estimated by his works? Conscience, when it beholds God, must either have sure peace with his justice, or be beset by the terrors of hell. We gain nothing, therefore, by discoursing of righteousness, unless we hold it to be a righteousness stable enough to support our souls before the tribunal of God. When the soul is able to appear intrepidly in the presence of God, and receive his sentence without dismay, then only let us know that we have found a righteousness that is not fictitious. It is not, therefore, without cause, that the Apostle insists on this matter. I prefer giving it in his words rather than my own: "If they which are of the law be heirs, faith is made void, and the promise made of no effect," (Rom. 4: 14.) He first infers that faith is made void if the promise of righteousness has respect to the merit of our works, or depends on the observance of the law. Never could any one rest securely in it, for never could he feel fully assured that he had fully satisfied the law; and it is certain that no man ever fully satisfied it by works. Not to go far for proof of this, every one who will use his eyes aright may be his own witness.

Hence it appears how deep and dark the abyss is into which hypocrisy plunges the minds of men, when they indulge so securely as, without hesitations to oppose their flattery to the judgment of God, as if they were relieving him from his office as judge. Very different is the anxiety which fills the breasts of believers, who sincerely examine themselves. Every mind, therefore, would first begin to hesitate, and at length to despair, while each determined for itself with how great a load of debt it was still oppressed, and how far it was from coming up to the enjoined condition. Thus, then, faith would be oppressed and extinguished. To have faith is not to fluctuate, to vary, to be carried up and down, to hesitate, remain in suspense, vacillate, in fine, to despair; it is to possess sure certainty and complete security of mind, to have whereon to rest and fix your foot (cf. I Cor. 2:5; II Cor. 13:4).

4. Attention to one's own righteousness also nullifies the promises

Paul, moreover, adds, that the promise itself would be rendered null and void. For if its fulfillment depends on our merits when pray, will we be able to come the length of meriting the favor of God? Nay, the second clause is a consequence of the former, since the promise will not be fulfilled unless to those who put faith in it. Faith therefore failing, no power will remain in the promise. "Therefore it is of faith, that it might be by grace, to the end the promise might be sure to all the seed," (Rom. 4: 16.) It was abundantly confirmed when made to rest on the mercy of God alone, for mercy and truth are united by an indissoluble tie; that is, whatever God has mercifully promised he faithfully performs. Thus David, before he asks salvation according to the word of God, first places the source of it in his mercy. "Let, I pray thee, thy merciful kindness be for my comfort, according to thy word unto thy servant," (Ps. 119: 76.) And justly, for nothing but mere mercy induces God to promise. Here, then, we must place, and, as it were, firmly fix our whole hope, paying no respect to our works, and asking no assistance from them.

And lest you should suppose that there is any thing novel in what I say, Augustine also enjoins us so to act. "Christ," says he, "will reign forever among his servants. This God has promised, God has spoken; if this is not enough, God has sworn. Therefore, as the promise stands firm, not in respect of our merits, but in respect of his mercy, no one ought to tremble in announcing that of which he cannot doubt," (August. in Ps. 88, Tract. 50.) Thus Bernard also, "Who can be saved? ask the disciples of Christ. He replies, With men it is impossible, but not with God. This is our whole confidence, this our only consolation; this the whole ground of our hope: but being assured of the possibility, what are we to say as to his willingness? Who knows whether he is deserving of love or hatred? (Eccles. 9: 1.) 'Who has known the mind of the Lord that he may instruct him?' (1 Cor. 2: 16.) Here it is plain, faith must come to our aid: here we must have the assistance of truth, in order that the secret purpose of the Father respecting us may be revealed by the Spirit, and the Spirit testifying may persuade our hearts that we are the sons of God. But let him persuade by calling and justifying freely by faith: in these there is a kind of transition from eternal predestination to future glory," (Bernard, Sermon on the Dedication of a Church v.6)

Let us thus briefly conclude: Scripture indicates that the promises of God are not surer unless they are apprehended with full assurance of conscience; it declares that wherever there is doubt or uncertainty, the promises are made void; on the other hand, that they can only waver and fluctuate if they depend on our works. Therefore, either our righteousness must perish, or without any consideration of our works, place must be given to faith alone, whose nature it is to prick up the ear, and shut the eye; that is, to be intent on the promise only, to give up all idea of any dignity or merit in man. Thus is fulfilled the celebrated prophecy of Zechariah: "I will remove the iniquity of that land in one day. In that day, saith the Lord of hosts, shall ye call every man his neighbor under the vine, and under the fig-tree," (Zech. 3: 9, 10.) Here the prophet intimates that the only way in which believers can enjoy true peace, is by obtaining the remission of their sins. For we must attend to this peculiarity in the prophets, that when they discourse of the kingdom of Christ, they set forth the external mercies of God as types of spiritual blessings. Hence Christ is called the Prince of Peace, and our peace, Isaiah 9: 6; Eph. 2: 14,) because he calms all the agitations of conscience. If the method is asked, we must come to the sacrifice by which God was appeased, for no man will ever cease to tremble, until he hold that God is propitiated solely by that expiation in which Christ endured his anger. In short, peace must be sought nowhere but in the agonies of Christ our Redeemer.

5. Faith in God's free grace alone gives us peace of conscience and gladness in prayer

But why employ a more obscure testimony? Paul uniformly declares that the conscience can have no peace or quiet joy until it is held for certain that we are justified by faith. And he at the same time declares whence this certainty is derived, viz., when "the love of God is shed abroad in our hearts by the Holy Ghost," (Rom. 5: 5;) as if he had said that our Souls cannot have peace until we are fully assured that we are pleasing to God. Hence he elsewhere exclaims in the person of believers in general, "Who shall separate us from the love of Christ?" (Rom. 8: 35.) Until we have reached that haven, the slightest breeze will make us tremble, but so long as the Lord is our Shepherd, we shall walk without fear in the valley of the shadow of death, (Ps. 23.) Thus those who pretend that justification by faith consists in being regenerated and made just, by living spiritually, have never tasted the sweetness of grace in trusting that God will be propitious. Hence also, they know no more of praying aright than do the Turks or any other heathen people. For, as Paul declares, faith is not true, unless it suggest and dictate the delightful name of Father; nay, unless it open our mouths and enable us freely to cry, Abba, Father. This he expresses more clearly in another passage, "In whom we have boldness and access with confidence by the faith of him," (Eph. 3: 12.) This, certainly, is not obtained by the gift of regeneration, which, as it is always defective in the present state, contains within it many grounds of doubt. Wherefore, we must have recourse to this remedy; we must hold that the only hope which believers have of the heavenly inheritance is, that being in grafted into the body of Christ, they are justified freely. For, in regard to justification, faith is merely passives bringing nothing of our own to procure the favor of God, but receiving from Christ every thing that we want.

Book III Chapter 14.

14. THE BEGINNING OF JUSTIFICATION. IN WHAT SENSE PROGRESSIVE.

(Man in his natural state dead in sins and in need of redemption, 1-6)
1. Four classes of men with regard to justification

In farther illustration of the subject, let us consider what kind of righteousness man can have, during the whole course of his life, and for this purpose let us make a fourfold division. Mankind, either endued with no knowledge of God, are sunk in idolatry; or, initiated in the sacraments, but by the impurity of their lives denying him whom they confess with their mouths, are Christians in name only; or they are hypocrites, who with empty glosses hide the iniquity of the heart; or they are regenerated by the Spirit of God, and aspire to true holiness.

In the first place, when men are judged by their natural endowments, not a iota of good will be found from the crown of the head to the sole of the foot, unless we are to charge Scripture with falsehood, when it describes all the sons of Adam by such terms as these: "The heart is deceitful above all things, and desperately wicked." "The imagination of man's heart is evil from his youth." "The Lord knoweth the thoughts of man that they are vanity." "They are all gone aside: they are altogether become filthy; there is none that does good, no, not one." In short, that they are flesh, under which name are comprehended all those works which are enumerated by Paul; adultery, fornication, uncleanness, lasciviousness idolatry witchcraft, hatred, variance, emulation, wrath, strife, seditions, heresies, envyings, murders, drunkenness, revellings, and all kinds of pollution and abomination which it is possible to imagine. Such, then, is the worth on which men are to plume themselves.

But if any among them possess an integrity of manners which presents some semblance of sanctity among men, yet because we know that God regards not the outward appearance, we must penetrate to the very source of action, if we would see how far works avail for righteousness. We must, I say, look within, and see from what affection of the heart these works proceed. This is a very wide field of discussion, but as the matter may be explained in few words, I will use as much brevity as I can.

2. The virtues of unbelievers are God-given

First, then, I deny not, that whatever excellent endowments appear in unbelievers are divine gifts. Nor do I set myself so much in opposition to common sense, as to contend that there was no difference between the justice, moderation, and equity of Titus and Trojan, and the rage, intemperance, and cruelty of Caligula, Nero, and Domitian; between the continence of Vespasian, and the obscene lusts of Tiberius; and (not to dwell on single virtues and vices) between the observance of law and justice, and the contempt of them. So great is the difference between justice and injustice, that it may be seen even where the former is only a lifeless image. For what order would remain in the world if we were to confound them? Hence this distinction between honorable and base actions God has not only engraven on the minds of each, but also often confirms in the administration of his providence. For we see how he visits those who cultivate virtue with many temporal blessings. Not that that external image of virtue in the least degree merits his favor, but he is pleased thus to show how much he delights in true righteousness, since he does not leave even the outward semblance of it to go unrewarded. Hence it follows, as we lately observed, that those virtues, or rather images of virtues, of whatever kind, are divine gifts, since there is nothing in any degree praiseworthy which proceeds not from him.

(Hypocrites and nominal Christians, under condemnation, 7-8)
7. Righteousness is a thing of the heart!

Under this head the second and third class of men noted in the above division is comprehended. Impurity of conscience proves that as yet neither of these classes is regenerated by the Spirit of God. And, again, their not being regenerated proves their want of faith. Whence it is clear that they are not yet reconciled, not yet justified, since it is only by faith that these blessings are obtained. What can sinners, alienated from God, produce save that which is abominable in his sight? Such, however, is the stupid confidence entertained by all the wicked, and especially by hypocrites, that however conscious that their whole heart teems with impurity, they yet deem any spurious works which they may perform as worthy of the approbation of God. Hence the pernicious consequence, that though convicted of a wicked and impious minds they cannot be induced to confess that they are devoid of righteousness. Even acknowledging themselves to be unrighteous, because they cannot deny it, they yet arrogate to themselves some degree of righteousness.

This vanity the Lord admirably refutes by the prophet: "Ask now the priests concerning the law, saying, If one bear holy flesh in the skirt of his garment, and with his skirt do touch bread, or pottage, or wine, or oil, or any meat, shall it be holy? And the priests answered and said, No. Then said Haggai, If one that is unclean by a dead body touch any of these, shall it be unclean? And the priests answered and said, It shall be unclean. Then answered Haggai, and said, So is this people, and so is this nation before me, saith the Lord; and so is every work of their hands; and that which they offer there is unclean," (Haggai 2: 11-14.) I wish these sentiments could obtain full credit with us, and be deeply fixed on our memories. For there is no man, however flagitous the whole tenor of his life may be, who will allow himself to be convinced of what the Lord here so clearly declares. As soon as any person, even the most wicked, has performed some one duty of the law, he hesitates not to impute it to himself for righteousness; but the Lord declares that no degree of holiness is thereby acquired, unless the heart has previously been made pure. And not contented with this, he declares that all the works performed by sinners are contaminated by impurity of heart. Let us cease then to give the name of righteousness to works which the mouth of the Lord condemns as polluted. How well is this shown by that elegant similitude? It might be objected, that what the Lord has commanded is inviolably holy. But he, on the contrary, replies, that it is not strange that those things which are sanctified in the law are contaminated by the impurity of the wicked, the unclean hand profaning that which is sacred by handling it.

(Those who are regenerated, justified by faith alone, 9-11)
9. Also, true believers do no good works of themselves

Let us now see what kind of righteousness belongs to those persons whom we have placed in the fourth class. We admits that when God reconciles us to himself by the intervention of the righteousness of Christ, and bestowing upon us the free pardon of sins regards us as righteous, his goodness is at the same time conjoined with mercy, so that he dwells in us by means of his Holy Spirit, by whose agency the lusts of our flesh are every day more and more mortified while that we ourselves are sanctified; that is consecrated to the Lord for true purity of life, our hearts being trained to the obedience of the law. It thus becomes our leading desire to obey his will, and in all things advance his glory only.

Still, however while we walk in the ways of the Lord, under the guidance of the Holy Spirit, lest we should become unduly elated, and forget ourselves, we have still remains of imperfection which serve to keep us humble: "There is no man that sinneth not," saith Scripture, (1 Kings 8: 46.) What righteousness then can men obtain by their works? First, I say, that the best thing which can be produced by them is always tainted and corrupted by the impurity of the flesh, and has, as it were, some mixture of dross in it. Let the holy servant of God, I say, select from the whole course of his life the action which he deems most excellent, and let him ponder it in all its parts; he will doubtless find in it something that savors of the rottenness of the flesh, since our alacrity in well-doing is never what it ought to be, but our course is always retarded by much weakness. Although we see theft the stains by which the works of the righteous are blemished, are by no means unapparent, still, granting that they are the minutest possible, will they give no offense to the eye of God, before which even the stars are not clean? We thus see, that even saints cannot perform one work which, if judged on its own merits, is not deserving of condemnation.

10. He who thinks he has his own righteousness misunderstands the severity of the law

Even were it possible for us to perform works absolutely pure, yet one sin is sufficient to efface and extinguish all remembrance of former righteousness, as the prophet says, (Ezek. 18: 24.) With this James agrees, "Whosoever shall keep the whole law, and yet offend in one point, is guilty of all," (James 2: 10.) And since this mortal life is never entirely free from the taint of sin, whatever righteousness we could acquire would ever and anon be corrupted, overwhelmed, and destroyed, by subsequent sins, so that it could not stand the scrutiny of God, or be imputed to us for righteousness.

In short, whenever we treat of the righteousness of works, we must look not to the legal work but to the command. Therefore, when righteousness is sought by the Law, it is in vain to produce one or two single works; we must show an uninterrupted obedience. God does not (as many foolishly imagine) impute that forgiveness of sins once for all, as righteousness; so that having obtained the pardon of our past life we may afterwards seek righteousness in the Law. This were only to mock and delude us by the entertainment of false hopes. For since perfection is altogether unattainable by us, so long as we are clothed with flesh, and the Law denounces death and judgment against all who have not yielded a perfect righteousness, there will always be ground to accuse and convict us unless the mercy of God interpose, and ever and anon absolve us by the constant remission of sins. Wherefore the statement which we set out is always true, If we are estimated by our own worthiness, in every thing that we think or devise, with all our studies and endeavors we deserve death and destruction.

11. Believers' righteousness is always faith righteousness

We must strongly insist on these two things: That no believer ever performed one work which, if tested by the strict judgment of God, could escape condemnation; and, moreover, that were this granted to be possible, (though it is not,) yet the act being vitiated and polluted by the sins of which it is certain that the author of it is guilty, it is deprived of its merit.

This is the cardinal point of the present discussion. There is no controversy between us and the sounder Schoolmen as to the beginning of justification. They admit that the sinner, freely delivered from condemnation, obtains justification, and that by forgiveness of sins; but under the term justification they comprehend the renovation by which the Spirit forms us anew to the obedience of the Law; and in describing the righteousness of the regenerate man, maintain that being once reconciled to God by means of Christ, he is afterwards deemed righteous by his good works, and is accepted in consideration of them. The Lord, on the contrary, declares, that he imputed Abraham's faith for righteousness, (Rom. 4: 3,) not at the time when he was still a worshipper of idols, but after he had been many years distinguished for holiness. Abraham had long served God with a pure heart, and performed that obedience of the Law which a mortal man is able to perform: yet his righteousness still consisted in faith. Hence we infer, according to the reasoning of Paul, that it was not of works. In like manners when the prophet says, "The just shall live by his faith," (Hab. 2: 4,) he is not speaking of the wicked and profane, whom the Lord justifies by converting them to the faith: his discourse is directed to believers, and life is promised to them by faith. Paul also removes every doubt, when in confirmation of this sentiment he quotes the words of David, "Blessed is he whose transgression is forgiven, whose sin is covered," (Ps. 32: 1.) It is certain that David is not speaking of the ungodly but of believers such as he himself was, because he was giving utterance to the feelings of his own mind. Therefore we must have this blessedness not once only, but must hold it fast during our whole lives. Moreover, the message of free reconciliation with God is not promulgated for one or two days, but is declared to be perpetual in the Church, (2 Cor. 5: 18, 19.) Hence believers have not even to the end of life any other righteousness than that which is there described. Christ ever remains a Mediator to reconcile the Father to us, and there is a perpetual efficacy in his death, viz., ablution, satisfaction, expiation; in short, perfect obedience, by which all our iniquities are covered. In the Epistle to the Ephesians, Paul says not that the beginning of salvation is of grace, but "by grace are ye saved," "not of works, lest any man should boast," (Eph. 2: 8, 9.)

17. In no respect can works serve as the cause of our holiness

But if we attend to the four kinds of causes which philosophers bring under our view in regard to effects, we shall find that not one of them is applicable to works as a cause of salvation. The efficient cause of our eternal salvation the Scripture uniformly proclaims to be the mercy and free love of the heavenly Father towards us; the material cause to be Christ, with the obedience by which he purchased righteousness for us; and what can the formal or instrumental cause be but faith? John includes the three in one sentence when he says, "God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish but have everlasting life," (John 3: 16.) The Apostle, moreover, declares that the final cause is the demonstration of the divine righteousness and the praise of his goodness. There also he distinctly mentions the other three causes; for he thus speaks to the Romans: "All have sinned, and come short of the glory of God, being justified freely by his grace," (Rom. 3: 23, 24.) You have here the head and primary source - God has embraced us with free mercy. The next words are, "through the redemption that is in Christ Jesus;" this is as it were the material cause by which righteousness is procured for us. "Whom God has set forth to be a propitiation through faith." Faith is thus the instrumental cause by which righteousness is applied to us. He lastly subjoins the final cause when he says, "To declare at this time his righteousness; that he might be just, and the justifier of him that believeth in Jesus." And to show by the way that this righteousness consists in reconciliation, he says that Christ was "set forth to be a propitiation." ...

Book III Chapter 15.

15. THE BOASTED MERIT OF WORKS SUBVERSIVE BOTH OF THE GLORY OF GOD, IN BESTOWING RIGHTEOUSNESS, AND OF THE CERTAINTY OF SALVATION.

3. The whole value of good works comes from God's grace

What all our works can merit Scripture shows when it declares that they cannot stand the view of God, because they are full of impurity; it next shows what the perfect observance of the law (if it can any where be found) will merit when it enjoins, "So likewise ye, when ye shall have done all those things which are commanded you, say, We are unprofitable servants, we have done that which was our duty to do," (Luke 17: 10;) because we make no free-offering to God, but only perform due service by which no favor is deserved.

And yet those good works which the Lord has bestowed upon us he counts ours also, and declares, that they are not only acceptable to him, but that he will recompense them. It is ours in return to be animated by this great promise, and to keep up our courage, that we may not weary in well-doing, but feel duly grateful for the great kindness of God. There cannot be a doubt, that every thing in our works which deserves praise is owing to divine grace, and that there is not a particle of it which we can properly ascribe to ourselves. If we truly and seriously acknowledge this, not only confidence, but every idea of merit vanishes. I say we do not, like the Sophists share the praise of works between God and man, but we keep it entire and unimpaired for the Lord. All we assign to man is that, by his impurity he pollutes and contaminates the very works which were good. The most perfect thing which proceeds from man is always polluted by some stain. Should the Lords therefore bring to judgment the best of human works, he would indeed behold his own righteousness in them; but he would also behold man's dishonor and disgrace. Thus good works please God, and are not without fruit to their authors, since, by way of recompense, they obtain more ample blessings from God, not because they so deserve, but because the divine benignity is pleased of itself to set this value upon them. Such, however is our malignity, that not contented with this liberality on the part of God, which bestows rewards on works that do not at all deserve them, we with profane ambition maintain that that which is entirely due to the divine munificence is paid to the merit of works.

Here I appeal to every man's common sense. If one who by another's liberality possesses the usufruct of a field, rear up a claim to the property of it, does he not by his ingratitude deserve to lose the possession formerly granted? In like manner, if a slave, who has been manumitted, conceals his humble condition of freedman, and gives out that he was free-born, does he not deserve to be reduced to his original slavery? A benefit can only be legitimately enjoyed when we neither arrogate more to our selves than has been given, nor defraud the author of it of his due praise; nay, rather when we so conduct ourselves as to make it appear that the benefit conferred still in a manner resides with him who conferred it. But if this is the moderation to be observed towards men, let every one reflect and consider for himself what is due to God.

 

Book III Chapter 16.

16. REFUTATION OF THE CALUMNIES BY WHICH IT IS ATTEMPTED TO THROW ODIUM ON THIS DOCTRINE.

1. ...
Why, then, are we justified by faith? Because by faith we apprehend the righteousness of Christ, which alone reconciles us to God. This faith, however, you cannot apprehend without at the same time apprehending sanctification; for Christ "is made unto us wisdom, and righteousness, and sanctification, and redemption," (1 Cor. 1: 30.) Christ, therefore, justifies no man without also sanctifying him. These blessings are conjoined by a perpetual and inseparable tie. Those whom he enlightens by his wisdom he redeems; whom he redeems he justifies; whom he justifies he sanctifies.
...

2. Does the doctrine of justification stifle zeal for good works?
...

At present, let it be sufficient merely to advert to the weakness of their objection. This may be done in two ways. For, first, they are altogether in error when they say that, unless a hope of reward is held forth, no regard will be had to the right conduct of life. For if all that men do when they serve God is to look to the reward, and hire out or sell their labour to him, little is gained: he desires to be freely worshipped, freely loved: I say he approves the worshipper who, even if all hope of reward were cut off, would cease not to worship him.

Moreover, when men are to be urged, there cannot be a stronger stimulus than that derived from the end of our redemption and calling, such as the word of God employs when it says, that it were the height of impiety and ingratitude not to "love him who first loved us;" that by "the blood of Christ" our conscience is purged "from dead works to serve the living God;" that it were impious sacrilege in any one to count "the blood of the covenant, wherewith he was sanctified, an unholy thing;" that we have been "delivered out of the hands of our enemies," that we "might serve him without fear, in holiness and righteousness before him, all the days of our life;" that being "made free from sin," we "become the servants of righteousness;" "that our old man is crucified with him," in order that we might rise to newness of life. Again, "if ye then be risen with Christ, (as becomes his members,) seek those things which are above," living as pilgrims in the world, and aspiring to heaven, where our treasure is. "The grace of God has appeared to all men, bringing salvation, teaching us that, denying ungodliness and worldly lusts, we should live soberly, righteously, and godly in this present world; looking for that blessed hope, and the glorious appearing of the great God and our Savior Jesus Christ." "For God has not appointed us to wrath, but to obtain salvation through our Lord Jesus Christ." "Know ye not that ye are the temples of the Holy Spirit," which it were impious to profane? "Ye were sometimes darkness, but now are ye light in the Lord: walk as the children of light." "God has not called us unto uncleanness, but unto holiness." "For this is the will of God, even your sanctification, that ye should abstain" from all illicit desires: ours is a "holy calling," and we respond not to it except by purity of life. "Being then made free from sin, ye became the servants of righteousness." ...

Book III Chapter 17.

17. THE PROMISES OF THE LAW AND THE GOSPEL RECONCILED.

(Works as related to the law: the instance of Cornelius, 1-5)
1. Scholastic arguments stated and confuted ...
We have already shown, that if we cleave to the law we are devoid of every blessing, and have nothing but the curse denounced on all transgressors. The Lord does not promise any thing except to the perfect observers of the law; and none such are any where to be found. The results therefore is that the whole human race is convicted by the law, and exposed to the wrath and curse of God: to be saved from this they must escape from the power of the law, and be as it were brought out of bondage into freedom, - not that carnal freedom which indisposes us for the observance of the law, tends to licentiousness, and allows our passions to wanton unrestrained with loosened reins; but that spiritual freedom which consoles and raises up the alarmed and smitten conscience, proclaiming its freedom from the curse and condemnation under which it was formerly held bound. This freedom from subjection to the law, this manumission, if I may so express it, we obtain when by faith we apprehend the mercy of God in Christ, and are thereby assured of the pardon of sins, with a consciousness of which the law stung and tortured us.

3. The promises of the law are put into effect through the gospel

What then? Were the promises given that they might vanish away without fruit? I lately declared that this is not my opinion. I say, indeed, that their efficacy does not extend to us so long as they have respect to the merit of works, and, therefore, that, considered in themselves, they are in some sense abolished. Hence the Apostle shows, that the celebrated promise, "Ye shall therefore keep my statutes and my judgments: which if a man do, he shall live in them," (Levit. 18: 5; Ezek. 20: 10,) will, if we stop at it, be of no avail, and will profit us not a whit more than if it were not given, being inaccessible even to the holiest servants of God, who are all far from fulfilling the law, being encompassed with many infirmities. But when the gospel promises are substituted, promises which announce the free pardon of sins, the result is not only that our persons are accepted of God, but his favor also is shown to our works, and that not only in respect that the Lord is pleased with them, but also because he visits them with the blessings which were due by agreement to the observance of his law. I admit, therefore, that the works of the faithful are rewarded with the promises which God gave in his law to the cultivators of righteousness and holiness; but in this reward we should always attend to the cause which procures favor to works.

This cause, then, appears to be threefold. First, God turning his eye away from the works of his servants which merit reproach more than praise, embraces them in Christ, and by the intervention of faith alone reconciles them to himself without the aid of works. Secondly the works not being estimated by their own worth, he, by his fatherly kindness and indulgence, honors so far as to give them some degree of value. Thirdly, he extends his pardon to them, not imputing the imperfection by which they are all polluted, and would deserve to be regarded as vices rather than virtues.

Hence it appears how much Sophists were deluded in thinking they admirably escaped all absurdities when they said, that works are able to merit salvation, not from their intrinsic worth, but according to agreement, the Lord having, in his liberality, set this high value upon them. But, meanwhile, they observed not how far the works which they insisted on regarding as meritorious must be from fulfilling the condition of the promises, were they not preceded by a justification founded on faith alone, and on forgiveness of sins - a forgiveness necessary to cleanse even good works from their stains. Accordingly, of the three causes of divine liberality to which it is owing that good works are accepted, they attended only to one: the other two, though the principal causes, they suppressed.

4. The twofold acceptance of man before God

They quote the saying of Peter as given by Luke in the Acts, "Of a truth I perceive that God is no respecter of persons: but in every nation he that feareth him, and worketh righteousness, is accepted with him" (Acts 10: 34, 35.) And hence they infer, as a thing which seems to them beyond a doubt, that if man by right conduct procures the favor of God, his obtaining salvation is not entirely the gift of God. Nay, that when God in his mercy assists the sinner, he is inclined to mercy by works.

There is no way of reconciling the passages of Scripture, unless you observe that man's acceptance with God is twofold.

As man is by nature, God finds nothing in him which can incline him to mercy, except merely big wretchedness. If it is clear then that man, when God first interposes for him, is naked and destitute of all good, and, on the other hand, loaded and filled with all kinds of evil, - for what quality, pray, shall we say that he is worthy of the heavenly kingdom? Where God thus clearly displays free mercy, have done with that empty imagination of merit. Another passage in the same book, viz., where Cornelius hears from the lips of an angel, "Thy prayer and thine alms are come up for a memorial before God," (Acts 10: 4,) is miserably wrested to prove that man is prepared by the study of good works to receive the favor of God. Cornelius being endued with true wisdom, in other words, with the fear of God, must have been enlightened by the Spirit of wisdom, and being an observer of righteousness, must have been sanctified by the same Spirit; righteousness being, as the Apostle testifies, one of the most certain fruits of the Spirit, (Gal. 5: 5.) Therefore, all those qualities by which he is said to have pleased God he owed to divine grace: so far was he from preparing himself by his own strength to receive it. Indeed, not a syllable of Scripture can be produced which does not accord with the doctrine, that the only reason why God receives man into his favor is, because he sees that he is in every respect lost when left to himself; lost, if he does not display his mercy in delivering him. We now see that in thus accepting, God looks not to the righteousness of the individual, but merely manifests the divine goodness towards miserable sinners, who are altogether undeserving of this great mercy.

5. In what sense the Lord is pleased with the good works of the regenerate

But after the Lord has withdrawn the sinner from the abyss of perdition, and set him apart for himself by means of adoption, having begotten him again and formed him to newness of life, he embraces him as a new creature, and bestows the gifts of his Spirit. This is the acceptance to which Peter refers, and by which believers after their calling are approved by God even in respect of works; for the Lord cannot but love and delight in the good qualities which he produces in them by means of his Spirit. But we must always bear in mind, that the only way in which men are accepted of God in respect of works is, that whatever good works he has conferred upon those whom he admits to favor, he by an increase of liberality honors with his acceptance. For whence their good works, but just that the Lord having chosen them as vessels of honor, is pleased to adorn them with true purity? And how are their actions deemed good as if there was no deficiency in them, but just that their merciful Father indulgently pardons the spots and blemishes which adhere to them? In one word, the only meaning of acceptance in this passage is, that God accepts and takes pleasure in his children, in whom he sees the traces and lineaments of his own countenance. We have else here said, that regeneration is a renewal of the divine image in us. Since God, therefore, whenever he beholds his own face, justly loves it and holds it in honor, the life of believers, when formed to holiness and justice, is said, not without cause, to be pleasing to him. ...

Book III Chapter 18.

18. THE RIGHTEOUSNESS OF WORKS IMPROPERLY INFERRED FROM REWARDS.

2. Solution of the second general objection.
1. Works not the cause of salvation. This shown from the name and nature of inheritance.
2. A striking example that the Lord rewards the works of believers with blessings which he had promised before the works were thought of.

2. Rewards as "inheritance"

There is nothing in the term reward to justify the inference that our works are the cause of salvation. First, let it be a fixed principle in our hearts, that the kingdom of heaven is not the hire of servants, but the inheritance of sons, (Eph. 1: 18;) an inheritance obtained by those only whom the Lord has adopted as sons, and obtained for no other cause than this adoption, "The son of the bond-women shall not be heir with the son of the free-woman," (Gal. 4: 30.) And hence in those very passages in which the Holy Spirit promises eternal glory as the reward of works, by expressly calling it an inheritance, he demonstrates that it comes to us from some other quarter. Thus Christ enumerates the works for which he bestows heaven as a recompense, while he is calling his elect to the possession of it, but he at the same time adds, that it is to be possessed by right of inheritance, (Matth. 25: 34.) Paul, too, encourages servants, while faithfully doing their duty, to hope for reward from the Lord, but adds, "of the inheritance," (Col. 3: 24.) You see how, as it were, in formal terms they carefully caution us to attribute eternal blessedness not to works, but to the adoption of God. ...

4. Other four reasons. Holiness the way to the kingdom, not the cause of obtaining it. Proposition of the Sophists.

4. The purpose of the promise of reward

Let us not suppose, then, that the Holy Spirit, by this promise, commends the dignity of our works, as if they were deserving of such a reward. For Scripture leaves us nothing of which we may glory in the sight of God. Nay, rather its whole object is to repress, humble, cast down, and completely crush our pride. But in this way help is given to our weakness, which would immediately give way were it not sustained by this expectation, and soothed by this comfort.

First, let every man reflect for himself how hard it is not only to leave all things, but to leave and abjure one's self. And yet this is the training by which Christ initiates his disciples, that is, all the godly. Secondly, he thus keeps them all their lifetime under the discipline of the cross, lest they should allow their heart to long for or confide in present good. In short, his treatment is usually such, that wherever they turn their eyes, as far as this world extends, they see nothing before them but despair; and hence Paul says "If in this life only we have hope in Christ, we are of all men most miserable," (1 Cor. 15: 19.) That they may not fail in these great straits, the Lord is present reminding them to lift their head higher and extend their view farther, that in him they may find a happiness which they see not in the world: to this happiness he gives the name of reward, hire, recompense, not as estimating the merit of works, but intimating that it is a compensation for their straits, sufferings, and affronts, &c. Wherefore, there is nothing to prevent us from calling eternal life a recompense after the example of Scripture, because in it the Lord brings his people from labour to quiet, from affliction to a prosperous and desirable condition, from sorrow to joy, from poverty to affluence, from ignominy to glory; in short, exchanges all the evils which they endured for blessings. Thus there will be no impropriety in considering holiness of life as the way, not indeed the way which gives access to the glory of the heavenly kingdom; but a way by which God conducts his elect to the manifestation of that kingdom, since his good pleasure is to glorify those whom he has sanctified, (Rom. 8: 30.) ...

7. Reward for tribulation endured?
...
The reason which is subjoined (by Paul) is intended not to prove any merit, but to confirm our hope of the kingdom of God; as if he had said, As it is befitting the just judgment of God to take vengeance on your enemies for the tribulation which they have brought upon you, so it is also befitting to give you release and rest from these tribulations. The other passage, which speaks as if it were becoming the justice of God not to overlook the services of his people, and almost insinuates that it were unjust to forget them, is to be thus explained: God, to arouse us from sloth, assures us that every labour which we undertake for the glory of his name shall not be in vain. Let us always remember that this promise, like all other promises, will be of no avail unless it is preceded by the free covenant of mercy, on which the whole certainty of our salvation depends. Trusting to it, however, we ought to feel secure that however unworthy our services, the liberality of God will not allow them to pass unrewarded. To confirm us in this expectation, the Apostle declares that God is not unrighteous; but will act consistently with the promise once given. Righteousness, therefore, refers rather to the truth of the divine promise than to the equity of paying what is due. In this sense there is a celebrated saying of Augustine, which, as containing a memorable sentiment, that holy man declined not repeatedly to employ, and which I think not unworthy of being constantly remembered: "Faithful is the Lord, who has made himself our debtor, not by receiving any thing from us, but by promising us all things," (August. in Ps. 32, 109, et alibi.)

Chapter 19.
19. Of Christian Liberty.
note: the formatting of this chapter is extremely poor online. what follows is selections from the 
Battles translation that i typed in.

there is a nicer formatted copy at: 
http://www.iclnet.org/pub/resources/text/ipb-e/epl-04/cvin3-20.txt
i used it for the final complete two sections.

2. freedom from the law

Christian freedom, in my opinion, consists of three parts. The first: that the consciences of believers, in seeking assurance of their justification before God, should rise above and advance beyond the law, forgetting all law righteousness. ... The whole life of Christians ought to be a sort of practice of godliness, for we have been called to sanctification. Here it is the function of the law, by warning men of their duty, to arouse them to a zeal for holiness and innocence.

3. The argument of Galatians

...First, because  the clarity of the gospel was obscured by those Jewish shadows, Paul showed that we have in Christ a perfect disclosure of all those things which were foreshadowed in the Mosaic ceremonies. Further, because those impostors imbued the common people with the very wicked notion that this obedience obviously availed to deserve God's grace, Paul here strongly insists that believers should not suppose they can obtain righteousness before God by any works of the law, still less by those paltry rudiments! ...

(The second, feeedom of conscience willingly obeying without compulsion of the law, 4-6)
4. Freedom from the constraint of the law establishes the true obedience of believers

The second part, dependent upon the first, is that consciences observe the law, not as if constrained by the necessity of the law, but that freed from the law's yoke they willingly obey God's will. For since they dwell in perpetual dread so long as they remain under the sway of the law, they will never be disposed with eager readiness to obey God unless they have already been given this sort of freedom. ... They who have progressed farther than all others on the Lord's way are yet far distant from that goal. For even though they love God deeply and with sincere affection of heart, they have a great part of their heart and soul still occupied with fleshly desires, by which they are drawn back and prevented from hastening forward to God.

5. freedom from constraint makes us capable of joyous obedience

... These servants think they have accomplished nothing, and dare not appear before their masters unless they have fulfilled the exact measure of their tasks. But sons, who are more generously and candidly treated by their fathers, do not hesitate to offer them incomplete and half-done and even defective works, trusting that their obedience and readiness of mind will be accepted by their fathers, even though they have not quite achieved what their fathers intended. ...

6. emancipated by grace, believers need not fear the remnants of sin

... Let those who infer that we ought to sin becasue we are not under the law understand that this freedom has nothing to do with them. For its purpose is to encourage us to good.

7. Freedom in "things indifferent" with proofs from Roman, 7-9

The third part of Christian freedom lies in this: regarding outward things that are of themselves "indifferent," we are not bound before God by any religious obligation preventing us from sometimes using them and other times not using them, indifferently.

9. Against the abuse of Christian freedom for gluttony and luxury

... Today men sin to a greater degree in the first way. There is almost no one whose resources permit him to be extravagant who does not delight in lavish and ostentatious banquets, bodily apparel, and domestic architecture; who does not wish to outstrip his neighbors in all sorts of elegance; who does not wonderfully flatter himself in his opulence. And all these things are defended under the pretext of Christian freedom. They say that these are things indifferent. I admit it, provided they are used indifferently. But when they are coveted too greedily, when they are proudly boasted of, then they are lavishly squandered, things that were of themselves otherwise lawful are certainly defiled by these vices.
... but where there is plenty to wallow in, delights to gorge oneself, to intoxicate mind and heart with present pleasures and be always panting after new ones--such are very far removed from a lawful use of God's gifts.
Away, then with uncontrolled desire, away with immoderate prodigality, away with vanity and arrogance--in order that men may with a clean conscience cleanly use God's gifts. Where the heart is tempered to this soberness they will have a rule for lawful use of such blessings. But should this moderation be lacking, even base and common pleasures are too much. ...

12. On the right use of Christian freedom and the right renunciation of it

... Nothing is plainer than this rule: that we should use our freedom if it results in the edification of our neighbor, but if it does not help our neighbor, then we should forgo it. ... But it is the part of a godly man to realize that free power in outward matters has been given him in order that he may be the more ready for all the duties of love.

15. The two kingdoms

Therefore, lest this prove a stumbling-block to any, let us observe that in man government is twofold: the one spiritual, by which the conscience is trained to piety and divine worship; the other civil, by which the individual is instructed in those duties which, as men and citizens, we are bold to performs (see Book 4, chap. 10, sec. 3-6.) To these two forms are commonly given the not inappropriate names of spiritual and temporal jurisdiction, intimating that the former species has reference to the life of the soul, while the latter relates to matters of the present life, not only to food and clothing, but to the enacting of laws which require a man to live among his fellows purely honorably, and modestly. The former has its seat within the soul, the latter only regulates the external conduct. We may call the one the spiritual, the other the civil kingdom. Now, these two, as we have divided them, are always to be viewed apart from each other. When the one is considered, we should call off our minds, and not allow them to think of the other. For there exists in man a kind of two worlds, over which different kings and different laws can preside.

By attending to this distinction, we will not erroneously transfer the doctrine of the gospel concerning spiritual liberty to civil order, as if in regard to external government Christians were less subject to human laws, because their consciences are unbound before God, as if they were exempted from all carnal service, because in regard to the Spirit they are free. Again because even in those constitutions which seem to relate to the spiritual kingdom, there may be some delusion, it is necessary to distinguish between those which are to be held legitimate as being agreeable to the Word of God, and those, on the other hand, which ought to have no place among the pious. We shall elsewhere have an opportunity of speaking of civil government, (see Book 4, chap. 20.) For the present, also, I defer speaking of ecclesiastical laws, because that subject will be more fully discussed in the Fourth Book when we come to treat of the Power of the Church.

We would thus conclude the present discussion. The question, as I have said, though not very obscure, or perplexing in itself, occasions difficulty to many, because they do not distinguish with sufficient accuracy between what is called the external forum, and the forum of conscience. What increases the difficulty is, that Paul commands us to obey the magistrate, "not only for wrath, but also for conscience sake," (Rom. 13: 1, 5.) Whence it follows that civil laws also bind the conscience. Were this so, then what we said a little ago, and are still to say of spiritual governments would fall. To solve this difficulty, the first thing of importance is to understand what is meant by conscience. The definition must be sought in the etymology of the word. For as men, when they apprehend the knowledge of things by the mind and intellects are said to know, and hence arises the term knowledge or science, so when they have a sense of the divine justice added as a witness which allows them not to conceal their sins, but drags them forward as culprits to the bar of God, that sense is called conscience. For it stands as it were between God and man, not suffering man to suppress what he knows in himself; but following him on even to conviction. It is this that Paul means when he says, "Their conscience also bearing witness, and their thoughts the meanwhile accusing, or else excusing one another," (Rom. 2: 15.) Simple knowledge may exist in man, as it were shut up; therefore this sense, which sists man before the bar of God, is set over him as a kind of sentinel to observe and spy out all his secrets, that nothing may remain buried in darkness. Hence the ancient proverb, Conscience is a thousand witnesses. For the same reason Peter also employs the expression, "the answer of a good conscience," (1 Pet. 3: 21,) for tranquillity of mind; when persuaded of the grace of Christ, we boldly present ourselves before God. And the author of the Epistle to the Hebrews says, that we have "no more conscience of sins," (Heb. 10: 2,) that we are held as freed or acquitted, so that sin no longer accuses us.

16. Bondage and freedom of conscience

Wherefore, as works have respect to men, so conscience bears reference to God, a good conscience being nothing else than inward integrity of heart. In this sense Paul says that "the end of the commandment is charity, out of a pure heart, and of a good consciences and of faith unfeigned" (1 Tim. 1: 5.) He afterwards, in the same chapter, shows how much it differs from intellect when he speaks of "holding faith, and a good conscience; which some having put away, have made shipwreck," (1 Tim. 1: 19.) For by these words he intimates, that it is a lively inclination to serve God, a sincere desire to live in piety and holiness.

Sometimes, indeed, it is even extended to men, as when Paul testifies, "Herein do I exercise myself, to have always a conscience void of offense toward God, and toward men," (Acts 24: 16.) He speaks thus, because the fruits of a good conscience go forth and reach even to men. But, as I have said, properly speaking, it refers to God only.

Hence a law is said to bind the conscience, because it simply binds the individual, without looking at men, or taking any account of them. For example, God not only commands us to keep our mind chaste and pure from lust, but prohibits all external lasciviousness or obscenity of language. My conscience is subjected to the observance of this law, though there were not another man in the world, and he who violates it sins not only by setting a bad example to his brethren, but stands convicted in his conscience before God. The same rule does not hold in things indifferent. We ought to abstain from every thing that produces offense, but with a free conscience. Thus Paul, speaking of meat consecrated to idols, says, "If any man say unto you, This is offered in sacrifice unto idols, eat not for his sake that showed it, and for conscience sake:" "Conscience, I say, not thine own, but of the other," (1 Cor. 10: 28, 29.) A believer, after being previously admonished, would sin were he still to eat meat so offered. But though abstinence, on his part, is necessary, in respect of a brother, as it is prescribed by God, still he ceases not to retain liberty of conscience. We see how the law, while binding the external act, leaves the conscience unbound.

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research links:

from: http://www.monergism.com/thethreshold/articles/topic/ordosalutis.html
Ordo Salutis (The Order of Salvation)
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Latin, "the order of salvation." The ordo salutis is the biblical doctrine that deals with the logical sequencing of the benefits of Salvation worked by Christ which are applied to us by the Spirit. It can also be defined as the order of decrees by God in the redemptive process. The entire process (election, redemption, regeneration, etc.) is the work of God and is by grace alone. Election is the superstructure of our ordo salutis, but not itself the application of redemption. Regeneration, the work of the Holy Spirit which brings us into a living union with Christ, has a causal priority over the other aspects of the process of salvation. God opens our eyes, we see. God circumcises/ unplugs our ears, we hear. Jesus calls a dead and buried Lazarus out of the grave, he comes; In the same way, the Holy Spirit applies regeneration, (opening our spiritual eyes and renewing our affections), infallibly resulting in faith. All the benefits of redemption such as conversion (faith & repentance), justification, sanctification and perseverance presuppose the existence of spiritual life. The work of applying God's grace is a unitary process given to the elect simultaneously. This is instantaneous, but there is definitely a causal order (regeneration giving rise to all the rest). Though these benefits cannot be separated, it is helpful to distinguish them. Therefore, instead of imposing a chronological order we should view these as a unitary work of God to bring us into union with Christ. We must always keep in mind that the orders expressed in the following articles occur together or happen simultaneously like the turning on of a light switch or a faucet. But God turns on the light/faucet, so to speak. All aspects of the work of God continue together throughout the life of a Christian.

Historically in the Church there has been disagreement about the order of salvation, especially between those in the Reformed and Arminian camps. The following two perspectives of God's order in carrying out His redemptive work reveals the stark contrast between these two main historic views. Keep in mind that both viewpoints are based on the redemptive work which Christ accomplished for His people in history:

In the Reformed camp, the ordo salutis is 1) election, 2) predestination, 3) gospel call 4) inward call 5) regeneration, 6) conversion (faith & repentance), 7) justification,
8) sanctification, and 9) glorification. (Rom 8:29-30)

In the Arminian camp, the ordo salutis is 1) outward call 2) faith/election,
3) repentance, 4) regeneration, 5) justification, 6) perseverance, 7) glorification.

Notice the crucial difference in the orders of regeneration and faith. While the Reformed position believes spiritual life is a prerequisite for the existence of the other aspects of salvation, the Arminians believe that fallen, natural man retains the moral capacity to receive or reject the gospel of his own power. Even with the help of grace he still must find it within himself to believe or reject Christ. This has broad implications and raises questions like why does one man believe and not another? You might also notice that, according to Arminians, election is dependent on faith, not the other way around. This is no small matter ...understanding the biblical order, while keeping in mind its unitary process, is crucial and has a profound impact on how one views God, the gospel, and the Bible as a whole.
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a nice essay on Chesterton and Calvinists at: http://www.caledonianfire.org/caledonianfire/commentaries/3402.htm
http://www.wls.wels.net/library/Essays/Authors/K/KieckerAnabaptist/KieckerAnabaptist.pdf
http://home.apu.edu/~CTRF/papers/2000_papers/bartel.html

THE SIXTEENTH CENTURY DEBATES ON JUSTIFICATION at: http://www.covenantofgracechurch.org/article%20%208.htm

Another important point concerning the difference between the Reformers and Rome is how each used and understood the term "by" (per). The Protestant and biblical view of justification by faith alone considers faith as the instrumental cause of justification. Christ's righteousness or perfect obedience to the law of God is the basis of our justification and that righteousness is imputed by faith alone. Faith is the instrument by which the believer is brought into spiritual union with Christ. Rome does not use the term "by" in the same way. Rome holds the position that baptism is the first instrumental cause of justification. The grace received in baptism may be lost and so a second instrumental cause is needed. The second cause is the sacrament of penance. Trent stated: "Those who through sin have forfeited the received grace of justification, can again be justified when, moved by God, they exert themselves to obtain through the sacrament of penance the recovery, by the merits of Christ, the grace lost. For this manner of justification is restoration for those fallen, which the holy Fathers have aptly called a second plank after the shipwreck of grace is lost" (Trent, session 6, chapt. 14 - Canons and Decrees of the Council of Trent, p. 39).

The formula for justification that Trent avows is: faith plus works begins a process that leads to justification. The Council clearly repudiated the concept of sola fide or faith alone: "If anyone says that by faith alone the sinner is justified, so as to mean that nothing else is required to cooperate in order to obtain the grace of justification. . . let him be anathema" (Trent, sess. 6, canon 9). When Trent used the phrase, "let him be anathema," it echoed Paul's statement in Galatians 1:8, 9 that if anyone preached a different gospel, let them be anathema. In the view of the Council of Trent, anyone who taught that justification was by faith alone was under the condemnation and curse of God. The Roman Catholic position is that, while faith is involved in justification, it is not the instrumental cause of justification and justification is not by faith alone. This is a direct contradiction of the biblical teaching concerning justification by faith alone: "Where then is boasting? It is excluded. By what kind of law? Of Works? No, but by a law of faith. For we maintain that a man is justified by faith apart from the works of the law" (Romans 3:27,28).

THE IMPUTATION OF CHRIST'S RIGHTEOUSNESS AND FORENSIC JUSTIFICATION

A second essential difference between the Reformation position of justification and the Roman Catholic position is the issue of imputed versus infused righteousness. Rome holds the position that in the process of justification, Christ's righteousness is infused into the believer. The believer is not yet justified in the sight of God, but begins a process of growth in righteousness where, hopefully, he will reach a point of personal righteousness that is sufficient enough for God to declare him justified. Therefore, Rome holds that justification includes a process of sanctification. Trent stated that justification is "not a remission of sins merely, but also the sanctification and renewal of the inward man, through the voluntary reception of the grace and gifts by which an unrighteous man becomes righteous" (Trent, sess. 6, chapt. 7). Trent emphasized this process concept in the affirmation that it is a lifelong process that even extends after this life. Purgatory is part of the mechanism by which a person continues the process of becoming righteous: "If anyone says that the guilt is remitted to every penitent sinner after the grace of justification has been received, and that the debt of eternal punishment is so blotted out that there remains no debt of temporal punishment to be discharged either in this world or the next in purgatory, before the entrance to the kingdom of heaven can be opened - let him be anathema" (Trent, sess. 6, canon 30).

The Reformation view is one of imputed or credited righteousness. Rather than an infused righteousness which makes justification possible if the believer assents and cooperates (assentire et cooperare) with the grace given, the Reformed position is that Christ's perfect obedience to the law of God is credited to the believer. The believer is then declared righteous in the sight of God because of Christ's righteousness imputed to him and received by faith alone. John Calvin argues that since God is just and holy, no one can be accepted before him unless they are perfectly just and holy: "He is said to be justified in God's sight who is both reckoned righteous in God's judgment and has been accepted on account of his righteousness. Indeed, as iniquity is abominable to God, so no sinner can find favor in his eyes in so far as he is a sinner and so long as he is reckoned as such. Accordingly, wherever there is sin, there also the wrath and vengeance of God show themselves" (Institutes of the Christian Religion, 3,11,2). After making this statement that only perfect righteousness will bring the judgment of God that a person is justified, Calvin continues his consideration of justification: ". . . therefore, he in whose life that purity and holiness will be found which deserves a testimony of righteousness before God's throne will be said to be justified by works, or else he who, by the wholeness of his works, can meet and satisfy God's judgment. On the contrary, justified by faith is he who, excluded from the righteousness of works, grasps the righteousness of Christ through faith, and clothed in it, appears in God's sight not as a sinner but as a righteous man.

...

     WORKS AND JUSTIFICATION

A significant aspect of the debate over justification centers on the relationship of works and justification. The Reformation position is that we are justified by faith alone, but never by a faith that is alone. True saving faith is a living faith that produces good works. The Roman Catholic view of justification is: faith plus works equals justification. The Reformation view is faith alone equals justification plus works. The Roman Catholic view sees works as a necessary condition for justification; the Reformation view sees works as a fruit of justification. As mentioned before in our discussion of sola fide, Trent made this position clear: "If anyone says that the justice received is not preserved and also not increased before God through good works, but that those works are merely the fruits and signs of justification obtained, but not the cause of its increase, let him be anathema" (Cannon and Decrees of the Council of Trent, p. 45 - sess. 6, Canon 24). In this canon, Trent affirms that a person is not justified by faith alone, but that works are an absolutely necessary precondition for justification. Again, this position is in diametric opposition to the biblical teaching concerning justification.

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Question

<>Could you please provide a listing and explanation of how the major denominations view the order of salvation?
http://www.thirdmill.org/qath_answer.asp?file=99834.qna

an extraordinary resource: http://www.girs.com/library/theology/syllabus/soter2index.html
part of a multiple lesson class.

<>need to prune open mozilla windows:
http://mb-soft.com/believe/text/salvatio.htm
http://www.girs.com/library/theology/syllabus/subjsotr3.html
While Scripture directly presents faith as that instrument by which we are justified, it is not presented as the cause or foundation of our justification. The cause is the eternal and unchangeable decree of God. The judicial foundation for it is the redemptive work of Christ consisting of both our guilt being imputed to him who knew no sin, and his righteousness being imputed to us who deserve only condemnation. These are the two opposite forensic pronouncements: justification and condemnation. Both are declarations of the Sovereign Judge. If either was not forensic in nature then imputation would be meaningless and contradictory to God's holy nature.
http://www.google.com/search?hl=en&lr=&ie=UTF-8&q=chart+denominations+justification+regeneration&btnG=Search
http://www.monergism.com/thethreshold/articles/topic/salvation.html
http://www.covenantofgracechurch.org/article%2010.htm
http://www.covenantofgracechurch.org/article%2017.htm

there are a number of interesting sermons at: http://www.sermonaudio.com/search.asp?keyword=justification&entiresite=true
on the topic of justification

Sola Scriptura

- Scriptures alone are our rule of life and faith.

Soli Deo Gloria

- Everything is to be done only for the glory of God.

Solo Christo

- Salvation is by Christ alone.

Sola Gratia

- Salvation is by grace of God alone.

Sola Fide

- Salvation is by faith alone.

from: http://www.fivesolas.com/

http://www.fivesolas.com/5solas.htm