"Therefore we conclude that a man is justified by faith without the deeds of the law," (Rom. 3:28).
"For what saith the scripture? Abraham believed God, and it was counted unto him for righteousness," (Rom. 4:3).
"But to the one who does not work, but believes in Him who justifies the ungodly, his faith is reckoned as righteousness," (Rom. 4:5).
"Therefore being justified by faith, we have peace with God through our Lord Jesus Christ," (Rom. 5:1).
"For by grace are ye saved through faith; and that not of yourselves: it is the gift of God," (Eph. 2:

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However, in Roman Catholicism, justification by faith is denied.
"If any one shall say that justifying faith is nothing else than confidence in the divine mercy pardoning sins for Christ's sake, or that it is that confidence alone by which we are justified ... let him be accursed," (Canon 12, Council of Trent).
Which are we to believe? The Roman Catholic Church or God's word? Furthermore, the RCC states that justification is received not by faith, but by baptism. The Catechism of the Catholic Church says in paragraph, 1992, that "...justification is conferred in Baptism, the sacrament of faith." This means that faith is not the instrument of obtaining justification; instead, it is an ordinance performed by a priest in the Roman Catholic Church.
Furthermore, baptism is only the initial grace along the road of justification. The Roman Catholic is to then maintain his position before God by his efforts.
"No one can MERIT the initial grace which is at the origin of conversion. Moved by the Holy Spirit, we can MERIT for ourselves and for others all the graces needed to attain eternal life, as well as necessary temporal goods," (Catechism of the Catholic Church (CCC), par. 2027).
The problem here is that the RCC is teaching us to "merit for ourselves and for others all the graces need to attain eternal life." You cannot merit grace. Grace is unmerited favor. Merit is according to the CCC, par. 2006, "...the recompense owed by a community or a society for the action of one of its members, experienced either as beneficial or harmful, deserving reward or punishment..." CCC 2006. This means that merit is something owed. By contrast, grace is something not owed. Therefore, the RCC is teaching contrary to God's word regarding grace and justification.
The sad result is that in Roman Catholicism, justification before God is a process that is maintained by the effort and works of the Roman Catholic. This is a very unfortunate teaching since it puts the unbearable burden of works righteousness upon the shoulders of the sinner. By contrast, the Bible teaches that justification/salvation is by faith.
"But to the one who does not work, but believes in Him who justifies the ungodly, his faith is reckoned as righteousness," (Rom. 4:5).
"Therefore being justified by faith, we have peace with God through our Lord Jesus Christ," (Rom. 5:1).
"For by grace are ye saved through faith; and that not of yourselves: it is the gift of God," (Eph. 2:

.