Justification by Faith: What Does It Actually Mean?

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The Instrumental Cause/ Use of Faith

Systematic Theology 3. Justification by Faith

Instrumental cause. This name was very generally used at first, but afterwards met with considerable opposition. The question was raised, whether it was God’s instrument or man’s. And it was said: It cannot be God’s, since the faith referred to is not God’s faith; neither can it be man’s, for justification is not a deed of man, but of God. We should bear in mind, however, (a) that according to the plain teaching of the Bible we are justified by faith, dia pisteos, and that this dia can only be understood in an instrumental sense, Rom. 3:28; Gal. 3:8; (b) that the Bible explicitly says that God justifies the sinner by faith, and therefore represents faith as God’s instrument, Rom. 3:30; and (c) that faith is also represented as the instrument of man, as the means by which he receives justification, Gal. 2:16. Faith can be regarded as the instrument of God in a twofold sense. It is a gift of God wrought in the sinner unto justification. Moreover, by working faith in the sinner, God carries the declaration of pardon into his heart or conscience. But faith is also an instrument of man by which he appropriates Christ and all His precious gifts, Rom. 4:5; Gal. 2:16. This is also the representation of the matter which we find in the Belgic Confession, and in the Heidelberg Catechism. By faith we embrace Christ and remain in contact with Him who is our righteousness. The name “instrumental cause” is regularly used in Protestant Confessions. Yet some Reformed theologians prefer to avoid it, in order to guard themselves against the danger of giving the impression that justification is in any way dependent on faith as a work of man.

In this line of thought, many believe that faith is not the basis for justification. It is an organ of justification.
Systematic Theology 3. Justification by Faith

It can be called an appropriating organ in a twofold sense: (a) It is the organ by which we lay hold on and appropriate the merits of Christ, and accept these as the meritorious ground of our justification. As such it logically precedes justification. (b) It is also the organ by which we consciously apprehend our justification and obtain possession of subjective justification.

Systematic Theology 3. Justification by Faith

On the whole this name deserves preference, though it should be borne in mind that, strictly speaking, faith is the organ by which we appropriate the righteousness of Christ as the ground of our justification, rather than the organ by which we appropriate justification itself.

Here, Jesus is the grounds for our justification rather than our faith.
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