When we consider justification (being made right with God), there are two agents involved - God and man. And there are two actions involved, one proper to each of these. On the part of man, there is the act of faith. But faith in itself is incapable of producing justification for it is an act of man* (albeit one that is made possible by grace). Justification requires an action on God's part, an action that actually produces the change in man. Justification happens when the faith of man is met by the justifying action of God. (Post 2/8 on "Inviting the Act of Faith")
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