“Faith alone” as a Reformation slogan has a particular referent: justification. Faith is the sole instrument of justification. And “faith alone” does not mean that our attitudes and actions do not matter in the whole of the Christian life. Genuine faith, which alone justifies, is a “faith working through love” (Galatians 5:6). Nor does “faith alone” mean — and this may need fresh emphasis in some circles — that faith is less than an act of the whole soul, we might say, including the will and what we call “the heart” or the emotions. To put a point on it, faith is an expression of the whole inner person, not the intellect alone. As Paul himself says in Romans 10:10, “with the heart one believes and is justified.”

Shallow enough for a child to play at the shore, and deep enough for an elephant to drown.

As has often been said, such is true of the Christian gospel and Scriptures and doctrine. So in the cascading recovery and resurgence of Reformed theology in recent decades, many stripped off their socks and waded into the tides. As they did, memorable slogans served as great entry points for new students, but also became potentially distorting categories for those who never matured beyond the basics.

Many of us learned the past, present, and future aspects of salvation: I was saved. I am being saved. I will be saved. Of course, we came as well into TULIP: total depravity, unconditional election, limited atonement, irresistible grace, and perseverance of the saints. So too we learned the “five solas” (as they came to be known in the twentieth century): faith alone, grace alone, Christ alone, Scripture alone, to the glory of God alone.

Of the five, “faith alone” might be the most frequently distorted — both caricatured by foes and misunderstood by friends. “Faith alone” for what?

How to Be Accepted by God

Often the instinctive response of new initiates to the question, “‘Faith alone’ for what?” has been “for salvation.” However, salvation is often a more general category, as we see in the past, present, and future aspects above. The more particular focus we’re looking for is justification.

It was specifically justification that was the material principle of the Reformation — that is, How does a sinner have right-standing with God Almighty? Or, how do the ungodly come to be fully accepted by the holy God? The Reformers answered that such a fundamental divine embrace, justification, rests on the basis of Christ’s person and work alone (not ours), and is received by sinners through the instrument of faith alone, not our own doing, whether in whole or in part. Basis: Christ. Instrument: faith.

Again and again, Protestants opened, as Luther had, to the apostle Paul’s epistle to the Romans. They sought to follow and explain his overall argument. And they pointed to particular verses, like Romans 3:28: “One is justified by faith apart from works of the law.” Here “works of the law” is not a loophole but an intensifier: “works of the law” are acts commanded by God himself under the terms of the old covenant. What works could be more good and righteous than those expressly issued by the mouth of God? And yet, Paul writes, God’s full acceptance of sinners, in Christ, is by faith, not by obedience even to the best of commands. In Christ, we are justified by faith, “not because of works done by us in righteousness” (Titus 3:5; so also, among others, Galatians 2:16, 21; 5:1–3; Philippians 3:9).

Note well that “faith alone” as a Reformation slogan has a particular referent: justification. Faith is the sole instrument of justification. And “faith alone” does not mean that our attitudes and actions do not matter in the whole of the Christian life. Genuine faith, which alone justifies, is a “faith working through love” (Galatians 5:6). Nor does “faith alone” mean — and this may need fresh emphasis in some circles — that faith is less than an act of the whole soul, we might say, including the will and what we call “the heart” or the emotions. To put a point on it, faith is an expression of the whole inner person, not the intellect alone. As Paul himself says in Romans 10:10, “with the heart one believes and is justified.”

Not Only True but Desirable

Luther and Calvin both spoke of such whole-souled faith, exercised not only in the reason but in the will and emotions. Groping for language, Luther preached in a sermon on Luke 16:1–9, “Faith is something very powerful, active, restless, effective, which at once renews a person and again regenerates him, and leads him altogether into a new manner and character of life, so that it is impossible not to do good without ceasing.” Faith does not amount to solely the calculus of the bare intellect but expresses more and affects more.

Calvin too saw justifying faith as manifestly more than an exercise of the mind, referring to justifying faith as a “warm embrace” and “pious affection.”

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