Forgiven, and Still in Debt

How the Indulgence System Was Built, and Why It Is Still Running

Ask most Protestants about indulgences, and you will get a story with a tidy ending. A Dominican friar named Tetzel sold pardons across Germany. A monk named Luther objected. The Reformation followed, and somewhere in the centuries since, Rome quietly dropped the practice.

It is a satisfying story. It is wrong at the last step.

On January 10, 2026, the Apostolic Penitentiary issued a decree at the direction of Pope Leo XIV, proclaiming a special Year of Saint Francis to mark the eight hundredth anniversary of the death of Francis of Assisi. The year runs to January 10, 2027. Throughout it a plenary indulgence may be obtained on the usual conditions, which are sacramental confession, Holy Communion, and prayer for the intentions of the Pope. The decree adds that it may also be applied on behalf of the souls in purgatory.

That year is running as this is written.

Nor is it an oddity. Pope Leo XIV closed the Holy Door of St. Peter’s on January 6, the Epiphany, bringing the Ordinary Jubilee of 2025 to its end. The Year of Saint Francis began four days later, and the decree presents it as coinciding with that closing and as an ideal continuation of the Jubilee. The decree governing the Jubilee itself, issued in May 2024, listed pilgrimages, prayerful visits, works of mercy and acts of penance among the paths to the indulgence, and one of the penitential acts it named was abstaining, for at least one day a week, from futile distractions, social media included. And the Apostolic Penitentiary is not a committee convened for an anniversary. It is a permanent department of the Roman Curia, the government of the Roman Catholic Church, and the granting of indulgences is the work assigned to it under the law that now governs the Curia.

Rome has not buried the practice. Rome has kept it current.

The question worth asking, then, is not why Rome once sold indulgences. It is why Rome must still grant them. And the answer is not to be found in the sixteenth century at all. It is to be found in a paper trail that runs for nine hundred years, and enough of it survives to watch the thing being built.

What Trent actually fixed

Let me grant the objection before it is made, because it is a fair one and an informed Roman Catholic will make it within the first minute.

Rome does not sell indulgences. She has not sold them since the Council of Trent, the council that met in the northern Italian city of Trento from 1545 to 1563 to answer the Reformation. Anyone who says otherwise is attacking a practice Rome ended four centuries ago.

Now notice what that concession costs Rome. Nothing at all.

It happened in two stages, seventeen months apart, and the two together tell the story.

At the twenty-first session, on July 16, 1562, Trent abolished the questors of alms, the licensed collectors whose conduct had scandalized Europe, declaring their name and office henceforth utterly abolished. Indulgences were in future to be announced by the local bishops, with the alms received by two members of the chapter who were to take nothing for themselves, so that everyone might understand that these treasures of the church are administered not for gain but for godliness.

Then at the twenty-fifth session, on December 3 and 4, 1563, the council turned to the doctrine itself. It declared the use of indulgences most salutary, pronounced its anathema, its formal curse, on anyone who says they are useless or that the church has no power to grant them, and abolished the evil gains that had attached to them.

The council dismissed the sales force and kept the product.

That is the shape of the whole story, and it is worth fixing in mind before we go back to the beginning. What Trent reformed was the delivery system. The doctrine came through untouched, and the doctrine is what we have to look at.

The sentence that requires the system

More than fifteen years before it dealt with the collectors, Trent had already stated, as binding doctrine, the premise the mature system requires.

The sixth session, in January 1547, was given to justification. In it Trent set out what it holds justification to be. Chapter 7 says that the one and only formal cause, the thing by virtue of which a person is actually righteous in God’s sight, is a righteousness by which God makes him righteous, so that he is renewed in the spirit of his mind, and is not only reputed, but is truly called, and is, righteous.

Hold that. On Rome’s account the justified man has really been made righteous. Not merely reckoned so. Actually and inherently so.

And now hear what the same session says a few pages later. Canon 30 pronounces its anathema on anyone who says that when the grace of justification is received, the guilt is so remitted and the eternal punishment so blotted out that no debt of temporal punishment remains to be discharged, either in this world or in purgatory, before heaven can be opened.

Read those two together, because Rome asks us to hold them at once. Made righteous, and still in debt.

Everything that follows is built out of that second sentence by plain logic, and the logic is not hard.

If a debt remains after the guilt is forgiven, there must be somewhere to discharge it. Rome calls that place purgatory, a condition of purifying punishment after death for those who die in God’s grace with the debt outstanding. It is not hell. Everyone in purgatory is going to heaven. But nobody can say when.

If there is a debt to discharge, there must be a fund to discharge it from. Rome calls that the treasury of merit.

And if there is a fund, someone must hold the keys and make the withdrawals. That withdrawal is what an indulgence is. The Catechism defines it as a remission before God of the temporal punishment due to sins whose guilt has already been forgiven. A partial indulgence remits part of that punishment; a plenary indulgence remits all of it. And it may be gained for yourself or applied to somebody who has already died.

Purgatory, treasury, keys, indulgence. Four links, and canon 30 states the premise that holds them together.

The paper trail

Here is what most people never hear, and it is the reason I am writing this. The major load-bearing pieces of that four-link chain enter the documentary record one at a time, across roughly four centuries, and enough of the paperwork survives for us to watch it happen.

Let me say at once what that does not prove. A doctrine is not false merely because the church later found more precise words for it. The doctrine of the Trinity has a history of formulation too, and so does the canon of Scripture, and no Christian concludes from that history that either was invented. The real question is different. Does a later definition articulate what was already given to the apostles, or has a new load-bearing piece been added to the structure?

That is the question the dates put to Rome, and they put it sharply.

1095: the first plenary indulgence

At the Council of Clermont in November 1095, Pope Urban II called for what became the First Crusade. The official canons of that council do not survive, but according to the list preserved by Lambert of Arras, who was there, the council decreed that whoever went to Jerusalem to liberate the Church of God out of devotion alone, and not to gain honour or money, could count that journey in place of all penance. Historians generally regard this as the first unambiguous plenary indulgence. Several later accounts of Urban’s preaching go further than the canon does, reporting that those who took up the pilgrimage and died on it might be assured of the forgiveness of their sins and of eternal reward. None of those accounts was written down at the time, and they differ among themselves, so I give the substance they share and not a sentence from his mouth.

Mark the chronology, because it matters more than it first appears. In 1095 purgatory was not yet a defined doctrine. It would not be formally defined until the Second Council of Lyons in 1274, and again at the Council of Florence in 1439.

The idea of a purifying suffering after death is older than 1095, and I am not pretending otherwise. But the plenary remission enters the record before the place it remits punishment in receives formal definition by a council. That does not by itself settle the theological question. It is an awkward chronology for anyone claiming the mature system was handed down intact.

1343: the treasury defined

This is the document nobody quotes, and it is the most important one in the chain.

On January 25, 1343, Pope Clement VI issued the bull Unigenitus Dei Filius. Its immediate business was the jubilee: it shortened the interval between holy years from a hundred to fifty. But along the way it gave the treasury of merit its first formal papal statement, and what it says is remarkable.

It teaches that Christ shed more blood than was needed. A single drop would have sufficed to redeem the whole race, and He poured out far more, and that surplus formed a treasure. To that treasure, the bull says, the merits of the Blessed Mother of God and of all the elect, from the first righteous man to the last, add their help. And there is no fear of the treasure being consumed or diminished, both because the merits of Christ are infinite and because the more are brought to justification by its application, the greater the increase of the merits themselves.

A fund that grows as it is spent. It is worth pausing over the fact that such a sentence was ever written.

Two hundred and fifty years after Clermont, the fund now exists on paper, and the pope holds the keys to it. And the Catechism of the Catholic Church still teaches the same treasury today, describing it as the infinite and inexhaustible value of the merits of Christ, and saying in the very next paragraph that it holds as well the prayers and good works of the Blessed Virgin Mary and of all the saints.

The fifteenth century: a promise built on a forgery

If you want to see how such a system behaves once it is running, look at the Sabbatine Privilege.

In its classic form the privilege held that those who fulfil certain conditions will be released from purgatory by the Blessed Virgin on the Saturday after they die. The conditions are the wearing of the brown scapular with proper enrolment, chastity according to one’s state in life, and the daily recitation of the Little Office of the Blessed Virgin or an approved substitute.

Its authority rests on a bull attributed to Pope John XXII, Sacratissimo uti culmine, dated March 3, 1322, in which the pope is represented as reporting an apparition of Mary.

The bull is a forgery.

That is not a Protestant accusation. The Catholic Encyclopedia of 1913 calls it apocryphal in its opening sentence. No original appears in the registers of John XXII’s pontificate. The Carmelite historian Benedict Zimmerman rejected it, and Carmelite scholars have traced it to a Sicilian forgery of the fifteenth century, produced roughly a hundred years after its supposed date.

And the privilege was preached anyway, for centuries.

In 1613 the Holy Office under Pope Paul V issued a decree setting out what the Carmelites might preach concerning the privilege. That decree makes no reference at all to the bull of John XXII, and none to the apparition, and it does not simply repeat the guaranteed release. What it permits is the pious belief that Mary will assist the souls of members after death by her intercession, her merits and her protection, and especially on Saturdays.

So the document was eventually set aside as a basis of proof. The devotion did not go with it. It was reformulated and allowed to continue.

Remember that sequence, because it is the system in miniature. A promise about a dying man’s eternity can long outlive the paperwork that once justified it, and people go on resting their souls upon it after the scholars have finished with the evidence.

1517: the money

By Luther’s day the practice had become an extraordinarily effective way of raising funds.

The indulgence preached in Germany in 1517 was authorized to pay for the rebuilding of St. Peter’s Basilica in Rome, and a share of the proceeds went to repay the debt Albert of Brandenburg had incurred with the Fugger bank in order to secure the archbishopric of Mainz while already holding other sees. St. Peter’s took some hundred and twenty years to build and drew on many streams of revenue, so it is too much to say the basilica was built on indulgences. It is not too much to say the indulgence was preached to pay for it.

A long and lurid speech is usually put into the mouth of John Tetzel, the Dominican who preached that indulgence, and I have quoted it myself in the past. I will not quote it here. It comes to us through a nineteenth century history whose set speeches are literary reconstructions rather than transcripts, and no contemporary manuscript of Tetzel preaching those words survives. The gospel has no need of embellished history, and quoting such a speech only hands a critic an easy way out of the argument.

What we do have is better, because it comes from Luther’s own hand at the time. In Thesis 27 he condemned those who preach that the moment “the money clinks into the money chest,” the soul flies out of purgatory. Whether Tetzel used those exact words or not, Luther heard the substance of it preached and named it the doctrine of men.

The ninety-five theses went to the heart of the matter. In Thesis 32 Luther warned that those who suppose themselves certain of salvation because they hold letters of indulgence will be damned along with their teachers. In Thesis 36 he insisted that any truly repentant Christian has full remission of penalty and guilt, and has it “even without indulgence letters.”

And in Thesis 62 he named what he thought the church actually possessed. The true treasure of the church, he said, is “the most holy gospel of the glory and grace of God.”

Set that sentence beside Clement VI and you have the Reformation in a single line. One treasury holds the surplus merits of Christ and Mary and the saints, administered by an office. The other is the gospel itself.

1520: Rome answers

Here is the part that settles whether the argument was ever really about corruption.

On June 15, 1520, Pope Leo X issued the bull Exsurge Domine, condemning Luther. Among the propositions it condemned were his theses denying that the treasures of the church from which the pope grants indulgences are the merits of Christ and the saints.

Rome did not merely defend the fundraising. Rome defended the treasury.

So when Trent later abolished the collectors, it was not conceding Luther’s point. It was removing the embarrassment while keeping the doctrine that Leo had already defended by name.

Still running

That is the construction history. Now the current state, because the most common assumption about indulgences is that they belong to it.

In 1967 Pope Paul VI issued the apostolic constitution Indulgentiarum Doctrina, which reorganized the practice and abolished the old classification of indulgences by days and years. Those figures, incidentally, never measured time in purgatory, whatever the popular imagination made of them. They referred to periods of canonical penance on earth. Since 1967 an indulgence is simply partial or plenary, with no number attached.

That was a genuine reform of the practice, and there were others in the same document. It was not a reversal of the underlying doctrine, which the same constitution restates. The arithmetic was retired. The doctrine was not.

In 1999 the Apostolic Penitentiary published the fourth edition of the Enchiridion Indulgentiarum, the official handbook listing the prayers and works to which indulgences are attached. It is not a historical curiosity. The 2024 Jubilee decree cites it directly, by norm number.

In 2013 the Apostolic Penitentiary granted an indulgence to those who, being legitimately prevented from travelling to World Youth Day in Rio, followed the rites by television, radio, or what the decree called the new means of social communication, the papal Twitter account included. The press treated it as a novelty and rather enjoyed itself. Archbishop Claudio Maria Celli was quite right to tell reporters that merely checking a Twitter feed would obtain nobody an indulgence, since the usual conditions still applied. What the decree does show is a system being fitted, carefully and deliberately, to the way people in 2013 actually lived.

In May 2024 came the decree for the Jubilee of 2025, and it contains one sentence that answers this article’s whole question. During that Jubilee, it states, all other previously granted indulgences remain in force.

Not reformed. Not quietly retired. In force.

And on January 10, 2026, the decree with which this article began.

More than nine hundred and thirty years from Clermont to the Year of Saint Francis, and the chain is unbroken.

Why any of this matters

Someone will ask why a Reformed Baptist pastor in Arizona should spend his time on the internal paperwork of another communion. It is a fair question and it has a short answer.

Because a system with this much machinery exists to solve a problem, and the problem is a debt that Rome says is still outstanding after God has forgiven the guilt. Trent did not invent that machinery in 1547; most of what I have described was centuries old by then. What Trent did was state dogmatically the premise on which the whole of it depends, and bind that premise on the conscience with an anathema. Every link hangs on it. Forgiveness of guilt does not exhaust the debt.

And if that sentence is false, then the entire apparatus is answering a question that God has already closed.

And Scripture says the debt is closed. I want to be careful about how it says so, because Rome has a fair answer to a careless version of this argument.

Hebrews is not discussing indulgences. It is contrasting the one sacrifice of Christ with the repeated sacrifices of the old covenant, and Rome would rightly insist that an indulgence is not another offering for sin. Grant that as well.

The letter settles the question before that distinction can be reached. “For by a single offering he has perfected for all time those who are being sanctified” (Hebrews 10:14). Perfected, and still being sanctified, in the same sentence. The transformation is unfinished. The standing is not.

So the burden does not lie on me to prove that an indulgence is a second sacrifice. It lies on Rome to show, from Scripture, what debt is left before God for an office to discharge.

I have argued that case from the text at length elsewhere, and I will not repeat it here. What this article has tried to show is narrower and, in its own way, harder to answer. Not that the system is unbiblical, though it is. That it was built.

Two treasuries

There are two treasuries on offer, and every reader of this article will draw on one of them.

One is administered by a department in Rome and released by decree, with conditions attached, dates of expiry, and terms subject to revision. Its currency is what Rome calls the superabundant merits of Christ and the saints, dispensed through the church. It was defined in 1343 and it comes with a calendar. The current one closes on January 10, 2027.

The other was opened at Calvary and has never once been closed. Its currency is the obedience and the blood of the Son of God, reckoned to the account of everyone who trusts Him. It has no expiry date, because it was never a fund of surplus in the first place. It is a Person.

Notice how much of this article has been dates. Clermont in 1095. Unigenitus in 1343. A forged bull and the decree that outlived it. Exsurge Domine in 1520. Trent in 1562 and again in 1563. Paul VI in 1967. The handbook in 1999. Decrees in 2013, in 2024, and in January of this year. And a year of grace that expires on a Sunday in a few months, on January 10, 2027.

Only one thing in the whole story has no expiry date, and it is the one thing that answers the question the machinery exists to answer.

Rome will say that what I have described is development and not invention, that the church defined in time what she had always held, and that a forged bull does not empty a later decree resting on intercession. Let her make that case; she is entitled to. It still has to be made against a single sentence, and the sentence has been in the letter to the Hebrews the whole time. Development has to show its seed. And this development has to show what debt was left over for it to service.

So if you are a Roman Catholic reading this, I am not asking you to be angry at your church. I am asking you to notice what the paperwork is for. Every decree in this article exists to service a debt. Scripture says the debt is closed.

And if you are a Protestant who has read all this with a certain satisfaction, be careful. You may not believe in a treasury of merit, and you may still be keeping a private ledger of your own, quietly totting up attendance and giving and the years since your worst sin, and consulting it whenever your conscience presses. The bookkeeping is the problem, not the denomination. Close the book.

By a single offering He has perfected for all time those who are being sanctified. To Him be the glory, forever. Amen.

Sources

Council of Clermont, November 1095, canon 2, as preserved in the list of Lambert of Arras. The official canons of the council do not survive.

Second Council of Lyons (1274) and the Council of Florence (1439), on the definition of purgatory.

Clement VI, bull Unigenitus Dei Filius, January 1343, on the treasury of merit. Sources differ between January 25 and January 27 for the date; the substance is not in dispute. See Denzinger for the text.

Catholic Encyclopedia (1913), article “Sabbatine Privilege,” on the apocryphal character of the bull Sacratissimo uti culmine attributed to John XXII, and on the decree of the Holy Office of 1613.

Martin Luther, Ninety-Five Theses (1517), Theses 27, 32, 36 and 62.

Leo X, bull Exsurge Domine, June 15, 1520, condemning among other propositions Luther’s denial that the treasures of the church are the merits of Christ and the saints.

Council of Trent, Session VI (January 13, 1547), Decree on Justification, chapter 7 (the sole formal cause; “not only reputed, but are truly called, and are, just”) and canon 30 (remaining temporal punishment).

Council of Trent, Session XXI (July 16, 1562), Decree on Reform, chapter 9, abolishing the name and office of the questors of alms and providing that indulgences be announced by the local bishops, the alms received without fee, so that these treasures might be seen to be administered not for gain but for godliness.

Council of Trent, Session XXV (December 3 to 4, 1563), Decree Concerning Indulgences: the use of indulgences declared most salutary, an anathema on those who say they are useless or that the church lacks the power to grant them, and the abolition of evil gains.

Paul VI, apostolic constitution Indulgentiarum Doctrina, January 1, 1967, which abolished the classification of indulgences by days and years.

Enchiridion Indulgentiarum, fourth edition, 1999, cited by norm number in the Jubilee decree of 2024.

Decree of the Apostolic Penitentiary for World Youth Day, Rio de Janeiro, July 2013, and the remarks of Archbishop Claudio Maria Celli reported in the press at the time.

Decree on the Granting of the Indulgence during the Ordinary Jubilee Year 2025, Apostolic Penitentiary, May 13, 2024, signed by Cardinal Angelo De Donatis, which states that all other previously granted indulgences remain in force.

Decree of the Apostolic Penitentiary on the occasion of the Eighth Centenary of the death of Saint Francis of Assisi, dated January 10, 2026, and made public by the Holy See Press Office on January 16, 2026. The Ordinary Jubilee of 2025 concluded on January 6, 2026 with the closing of the Holy Door of St. Peter’s.

Praedicate Evangelium, n. 193, on the competence of the Apostolic Penitentiary over the granting of indulgences.

Catechism of the Catholic Church, paragraphs 1030 to 1032 (purgatory), 1471 (definition of an indulgence), 1476 to 1478 (the treasury of the Church).

Scripture quotations are from the English Standard Version, 2025 text edition.

What About the Rapture?

A Charitable Summary and Biblical Response to the Pre-Tribulational Case

Interacting with a message by Dr. Abner Chou, preached Sunday evening, August 30, 2026, at Grace Community Church

Dr. Abner Chou is a gifted teacher and a brother in Christ, and his message “What About the Rapture?” is pre-tribulationism presented at its best: argued from texts, applied to the heart, and delivered with warmth and wit. He builds nothing on blood moons or newspaper headlines, and he explicitly repudiates escapism, insisting the doctrine exists to produce holiness and hope. Those virtues deserve to be named before a single point of disagreement is raised, because this position is held by many godly people, and the manner of our differing ought to commend the gospel we share. What follows states his case in nine points, as accurately and as strongly as I can state it, and then responds to each from Scripture. My own conviction, held with the Second London Baptist Confession of 1689, and in full agreement with the Westminster Confession at this point, is that the Lord Jesus will come again once, visibly and in glory, to raise the dead, judge the world, and make all things new, and that the catching up of 1 Thessalonians 4:17 belongs to that one coming. One question governs everything that follows: where does the New Testament itself separate the catching up of the saints from the visible appearing of Christ by seven years? The text unquestionably gives us the rapture. What it does not give us is the seven-year separation. Scripture quotations are from the ESV (2025 Text Edition) unless otherwise noted.

1. Every Christian Believes in a Rapture

The argument as he makes it

First Thessalonians 4 defines the event in question as the dead in Christ rising and the living being caught up; 1 Corinthians 15 sets the same event inside a sustained discussion of the resurrection; and the resurrection belongs to the gospel itself (1 Cor. 15:3-4). Therefore every Christian, whatever label he wears, believes in a rapture. The debate concerns only its timing.

A response

Full and glad agreement. The verb in 1 Thessalonians 4:17 (harpagēsometha, rendered rapiemur in the Latin, which gives us the English word rapture) is the church’s common confession: “we who are alive, who are left, will be caught up together with them in the clouds to meet the Lord in the air, and so we will always be with the Lord.” Amillennial believers confess a rapture with all their hearts. Dr. Chou’s framing of the common ground is honest and pastorally wise, and it is a model for how this debate should begin. One caution only: once the word has been established at this minimal, shared sense, the argument must not quietly reload it with the disputed sense. The concession that all Christians believe in “a rapture” concerns the catching up itself. It settles nothing about a separate coming of Christ seven years before His appearing, which is the thing actually in dispute.

2. New Revelation Explains the Doctrine’s Rarity

The argument as he makes it

Paul marks this teaching as new revelation: “by a word from the Lord” (1 Thess. 4:15) and “Behold! I tell you a mystery” (1 Cor. 15:51). New revelation should not be expected in the Old Testament or the Gospels, so the doctrine’s absence there is no objection; and where the church’s own eschatology is treated (1 and 2 Thessalonians, Revelation), the rapture appears every time. Scripture is authoritative in any quantity: the virgin birth and the feeding of the five thousand are believed on a handful of texts.

A response

The principle about authority is exactly right: one clear text binds the conscience. The difficulty lies in what these particular texts newly reveal. “Mystery” in Paul means something once hidden and now openly proclaimed (Rom. 16:25-26; Eph. 3:4-6); it never marks a doctrine intended to remain faint. And the content of the mystery in 1 Corinthians 15:51 is stated in the verse itself: “We shall not all sleep, but we shall all be changed.” The new disclosure is the transformation of the living at the resurrection. The “word from the Lord” in 1 Thessalonians 4:15 may well introduce the whole revelation of verses 15-17 rather than a single clause, and nothing turns on restricting it. Grant the phrase its widest reasonable scope: even if the entire paragraph is newly revealed truth, nothing in the newly revealed truth says that this event occurs seven years before Christ’s visible appearing. So the rarity argument defends the wrong doctrine. It ably justifies the catching up, which no one disputes, while the seven-year interval, which is precisely what is disputed, is not stated in these passages at all, rarely or otherwise.

3. The Rapture and the Second Coming Are Different Events

The argument as he makes it

Ask of any two accounts: who, what, when, where, why, how. The Old Testament pictures the regathering at Messiah’s coming as horizontal, along the surface of the earth toward the land (Deut. 30; Isaiah’s ships and carried children; Ezek. 37; Zech. 8). First Thessalonians 4 is vertical, into the air. A different where, a different emphasized people (Israel there, the church here), a different agency (angels and nations there, the Lord directly here), and a different destination (Jerusalem there, heaven here) mean different events, and therefore different times.

A response

The method is sound, and it should be applied to Paul as rigorously as to Moses. When it is, the gathering and the visible coming keep landing in the same event. In 2 Thessalonians 2:1 Paul places “the coming of our Lord Jesus Christ” and “our being gathered together to him” under one governing “concerning,” coordinated realities within the same eschatological subject. In the previous chapter, the persecuted Thessalonians are promised relief “when the Lord Jesus is revealed from heaven with his mighty angels in flaming fire” (2 Thess. 1:7), which is unmistakably the public, judging coming. If their actual relief were a quiet removal seven years earlier, Paul has pointed suffering people past their rescue to an event they would watch from the balconies of heaven. His vocabulary tells the same story: the parousia at which we are gathered (1 Thess. 4:15; 2 Thess. 2:1) and the parousia whose appearance destroys the lawless one (2 Thess. 2:8) are the same word in the same correspondence, with no textual signal that two comings are in view. As for horizontal and vertical: differing descriptions and destinations emphasized in different passages do not by themselves prove two returns separated by seven years; prophecy speaks of the one consummation from many angles, and the gathering of God’s one people is its constant burden (John 11:52; Eph. 1:10). The meeting “in the air” describes the manner in which the church welcomes her descending King, which is the burden of point seven below.

One more identity marker belongs here. Jesus places the resurrection of all the Father has given Him “on the last day” (John 6:39, 40, 44, 54). Paul places that resurrection “at the last trumpet” (1 Cor. 15:52), while a trumpet of God attends the descent and the catching up (1 Thess. 4:16). A trumpet that is last, sounding on the last day, is a poor instrument for opening a seven-year encore. It closes the age rather than beginning an intermission.

4. The Rapture Begins the Day of the Lord

The argument as he makes it

This is the spine of his case. The flow from 1 Thessalonians 4:17 into 5:1 (“Now concerning the times and the seasons”) makes chapter 5 the timing of the rapture, and that timing is the onset of the day of the Lord, which comes like a thief. Supporting lines converge: believers are delivered “from the wrath to come” (1:10), a day-of-the-Lord term (Zeph. 1; Matt. 3:7); Christ comes “with all his saints” (3:13), so they must have been gathered to Him beforehand; 2 Thessalonians 2:1-2 links the gathering with the day of the Lord; and the Thessalonians’ panic that the day had arrived only makes sense if Paul had taught them they would not be in it. The word “first” in 2 Thessalonians 2:3 marks sequence within the day, as “first” in 1 Thessalonians 4:16 marks sequence within the rapture.

A response

Take 1 Thessalonians 5 on its own terms. The thief overtakes those who are saying “peace and security” (5:3), and then comes the pivot: “But you are not in darkness, brothers, for that day to surprise you like a thief” (5:4). The contrast Paul actually draws is between darkness and light, sleeping and waking, and his stated reason that believers will not be surprised is their identity: “you are all children of light, children of the day” (5:5). Absence from the earth is never stated; an evacuation is never mentioned. His application continues the same contrast: “let us not sleep, as others do, but let us keep awake and be sober,” putting on “the breastplate of faith and love, and for a helmet the hope of salvation” (5:6-8). Nothing in the paragraph says that believers escape surprise because they will have first escaped the earth; the difference Paul names is how the day arrives for the children of light, never whether they are present when it does. Paul gives them armor, not an evacuation timetable. On the wrath from which we are delivered (1:10; 5:9), let the noun have its full range; orgē in Scripture can name final condemnation and can name the temporal judgments of the day of the Lord. Granting the range costs nothing, because neither passage says that deliverance from wrath requires removal from the earth, and in 5:9 the stated opposite of wrath is “to obtain salvation through our Lord Jesus Christ,” the same deliverance Romans 5:9 attaches to justification by His blood. Scripture’s own pattern is that God shields His people in the midst of poured-out judgment: Israel in Goshen through the plagues, Noah carried through the flood, the sealed of God under the trumpets (Rev. 9:4). Exemption from wrath has never required extraction from the world where wrath falls.

The panic of 2 Thessalonians 2 then cuts against the position it is called to support, and what is striking is the form Paul’s reassurance takes. He calms the shaken church by naming public, observable events that must precede the day: “that day will not come, unless the rebellion comes first, and the man of lawlessness is revealed” (2:3). If a prior removal of the church were the controlling apostolic answer, one sentence would have ended their fear: “you cannot be in that day, for you will be gone.” Paul never writes it.

That silence is loud.

Nor does the appeal to “first” rescue the reading. In 1 Thessalonians 4:16 Paul explicitly narrates a sequence inside one event: the dead in Christ rise first, then the living are caught up. In 2 Thessalonians 2:3 the construction is different in kind, a conditional sentence: that day will not come unless the rebellion comes first. The priority is carried by the whole sentence, which sets the rebellion and the lawless one’s unveiling before the day, in the sight of readers told to measure the times by them. And instead of promising escape, Paul attaches our gathering (2:1) to the coming at which the Lord Jesus destroys the lawless one “by the appearance of his coming” (2:8): gathering and destruction at one parousia. As for “with all his saints” (1 Thess. 3:13), the holy ones may well be angels (Zech. 14:5; Mark 8:38), and if departed believers are meant, our position affirms it without any interval: absent from the body and present with the Lord, they accompany Him at His return to receive their bodies, for “God will bring with him those who have fallen asleep” (4:14). The dead in Christ have been with Christ since the hour they slept. No seven years are needed to get them to His side.

One more thing should be named before leaving the Thessalonian letters, because it is the doctrine’s pastoral engine. Pre-tribulationism requires imminence in a strict sense: no prophesied event need precede the catching up, which may come at any moment without warning. That is the very claim 2 Thessalonians 2 will not allow. Paul steadies a shaken church precisely by naming public events that must come first. Scripture commands watchfulness and forbids date-setting, but a coming that nothing prophesied may precede is a coming Paul did not teach the Thessalonians.

5. The Judgment Seat of Christ Requires an Interval

The argument as he makes it

Believers must appear before the judgment seat (2 Cor. 5:10; Rom. 14:10; 1 Cor. 3) and be rewarded, and the Bride in Revelation 19 has already “made herself ready.” If the rapture and the return are one moment, there is no time for this heavenly preparation. The Jewish wedding pattern, seven days of preparation crowned by the feast, maps onto Daniel’s “one week” of seven years and pictures the church prepared in heaven for the marriage supper.

A response

No text assigns a duration to the judgment seat, and the texts we have place reward at the Day itself: “the crown of righteousness, which the Lord, the righteous judge, will award to me on that Day, and not only to me but also to all who have loved his appearing” (2 Tim. 4:8). The crown is given at the appearing, to those who loved the appearing; Paul knows nothing of a crowning seven years before it. So the risen Lord: “Behold, I am coming soon, bringing my recompense with me” (Rev. 22:12). The recompense travels with Him. The God who raises the dead in the twinkling of an eye needs no calendar week to crown His saints. The readiness of the Bride (Rev. 19:7-8) is explained within the verse itself: “it was granted her to clothe herself with fine linen,” her righteous deeds, the whole church age of Spirit-wrought obedience, granted by grace. As for the wedding analogy, Scripture does attest seven-day feasts (Gen. 29:27; Judg. 14:12), but no biblical writer converts the feast into a seven-year heavenly interval, and no biblical writer applies Daniel’s seventieth week to a bridal preparation above. That connection may serve as an illustration once the chronology has been established on other grounds; it cannot establish the chronology. It is analogy performing the work of exegesis. A small textual note in passing: Romans 14:10 in the ESV reads “the judgment seat of God”; the point stands securely on 2 Corinthians 5:10.

6. Revelation Removes the Church Before the Tribulation

The argument as he makes it

Four strands braid together. Revelation 3:10 promises Philadelphia, “I will keep you from the hour of trial.” John’s summons upward in 4:1 follows the prophetic pattern in which what happens to the seer happens to those he represents (Isaiah, Ezekiel). The word “church,” frequent in chapters 2 and 3, never appears in chapters 6 through 18, and the refrain “he who has an ear” reappears in 13:9, but this time it drops the phrase “what the Spirit says to the churches.” And the Bride is discovered already in heaven, prepared, in chapter 19. Promise and plotline agree: the church is gone before the judgments fall.

A response

Each strand thins on inspection. Revelation 3:10 is a promise to a real first-century congregation, and its construction (tēreō ek, “keep from”) is genuinely disputed; careful grammarians on both sides of this debate concede that the phrase alone cannot settle the eschatological question. But its one other New Testament occurrence is on the lips of our Lord: “I do not ask that you take them out of the world, but that you keep them from the evil one” (John 17:15), where keeping from is expressly distinguished from taking out of. Whatever Revelation 3:10 finally means, the phrase itself does not inherently mean physical removal, and it cannot bear the weight of proving the bodily removal of the church from the earth. On our reading the “hour of trial… coming on the whole world” bore first upon the generation then living, as the book’s own “soon” and “near” insist (1:1, 3). A promise of preservation to Philadelphia is slender ground for a doctrine of global evacuation.

The pattern argument proves far too much. Isaiah’s throne vision did not lift Israel out of history, and Ezekiel saw the chariot throne as an exile who remained in Babylon among the exiles he represented; if “come up here” raptures the church, Ezekiel’s vision should have emptied Chebar. A visionary summons is the ordinary furniture of prophetic literature (compare 2 Cor. 12:2-4, after which Paul resumed his afflicted ministry on earth). The silence argument also proves too much: ekklēsia is likewise absent from chapters 19 through 22 apart from the epilogue (22:16), including the marriage supper and the new Jerusalem, and no one concludes the church misses her own wedding. Meanwhile God’s people are conspicuously on the earth in chapters 6 through 18: the saints against whom the beast makes war and whom he is allowed to conquer (13:7), “those who keep the commandments of God and their faith in Jesus” (14:12), the rest of the woman’s offspring who “hold to the testimony of Jesus” (12:17). And the innumerable multitude of chapter 7 is identified as “the ones coming out of the great tribulation” who washed their robes in the blood of the Lamb (7:14), people who passed through it rather than around it. Whoever these are, they belong to Jesus and are found faithful to Him, many of them to death, during the very period from which the church is said to be absent. The saints of these chapters bleed and keep the faith of Jesus; to call them something other than the church is to assume the very conclusion the silence of the word ekklēsia was supposed to prove. And the shortened refrain of 13:9 suits its context, an individual summons to endurance under persecution (“Here is a call for the endurance and faith of the saints,” 13:10); a missing phrase is a slight foundation for the church’s entire hope of exemption.

7. The Words Themselves: “Meet” and “Caught Up”

The argument as he makes it

The objection that apantēsis (“meet,” 1 Thess. 4:17) implies escorting the arriving one back fails, because in Matthew 25:6 the virgins meet the bridegroom and proceed to his venue, and the wedding setting evokes the week of preparation. Harpazō (“caught up”) is used by Paul of his own ascent to the third heaven (2 Cor. 12), so the direction is heavenward; and the same verb describes Enoch in literature of Paul’s day, taken before the judgment of the flood, to which Jesus compared the end (Matt. 24:37).

A response

The noun apantēsis occurs three times in the New Testament: 1 Thessalonians 4:17, Matthew 25:6, and Acts 28:15. The third occurrence, which the message never mentions, supplies the clearest supporting usage: the Roman brothers “came as far as the Forum of Appius and Three Taverns to meet us,” and the whole party then continued into Rome. A single parallel cannot by itself fix every movement in 1 Thessalonians 4, but it displays the word’s familiar civic sense, a delegation going out to welcome an arriving dignitary and attending him in. Even Matthew 25 moves the same direction: the virgins meet the bridegroom and go in with him to the feast immediately; none departs with him for years. The natural picture in 1 Thessalonians 4 is therefore the church rising to welcome her descending King as He comes, which explains why Paul’s very next paragraph is the day of the Lord breaking upon the world. As for harpazō, the verb signals sudden, sovereign seizure and says nothing about destination: “the Spirit of the Lord carried Philip away,” and Philip “found himself at Azotus” (Acts 8:39-40), one coastal town over. Paul’s ascent in 2 Corinthians 12 ended with Paul back on earth, thorn and all. And the Enoch typology cuts the other way. In Matthew 24:37-39 the figure our Lord actually names is Noah, and the flood “swept them all away,” the unprepared world, while Noah’s household was preserved through the judgment in the ark. Enoch, for his part, was translated generations before the flood, a chronology that matches no rapture scheme, pre-, mid-, or post-. If we are choosing patriarchs for our typology, the Lord has already chosen for us, and He chose Noah, the man carried through.

8. The Witness of History

The argument as he makes it

Late articulation does not disprove a doctrine: justification was refined at the Reformation, the deity of Christ at Nicaea, and the term “common grace” scarcely predates the twentieth century, yet no one dates those truths to their articulation. It makes sense that the church would treat the last things last. And the early church was not silent: Irenaeus (mid-second century, a disciple of John’s disciple) wrote of the church being “suddenly caught up” with tribulation following, and Ephraem of Nisibis (early 300s) wrote that “all the saints and elect of God are gathered prior to the tribulation that is to come.”

A response

The general principle is granted with both hands: doctrine is established by Scripture, and history refines its articulation. But the analogy claims more than the record gives. Nicaea and the Reformation refined what the church already confessed and practiced in her worship; the pre-tribulational scheme, a coming of Christ in two stages separated by seven years, is absent from the ecumenical creeds and from the major confessions and catechisms of the Reformation and post-Reformation churches, whose common confession is one future coming, “from thence He shall come to judge the living and the dead.” That is the difference between the development of a doctrine and the introduction of a framework. As for the two witnesses, I checked both to their sources. The Irenaeus sentence (Against Heresies 5.29.1) is quoted accurately, but read in place it will not bear the weight: the very next sentence calls the tribulation “the last contest of the righteous, in which, when they overcome, they are crowned with incorruption,” and three chapters earlier the ten kings “put the Church to flight” under the beast (5.26.1). The righteous are in the contest. At minimum, Irenaeus cannot be enlisted as a clean second-century witness to modern pre-tribulationism; the surrounding material fits far more naturally within his broader historic premillennialism. The second quotation is real, but it belongs to the sermon On the Last Times, the Antichrist, and the End of the World, which scholarship assigns to an unknown author now called Pseudo-Ephraem, dated anywhere from the late fourth century to the eighth; “early 300s” fits Ephraem the man and cannot be claimed for the sermon. One contested sentence and one pseudonymous sermon of uncertain date make a thin bridge across the church’s mainstream confessional tradition.

9. The Framework Beneath It All

The argument as he makes it

God’s plan runs on two tracks. The church is a “temporary substitute” for Israel’s role, so the church must be taken up before God resumes His program with Israel, whom Revelation names constantly (the 144,000, Jerusalem, Armageddon). The tribulation is Daniel’s seventieth week, seven years yet future; and the restrainer of 2 Thessalonians 2 is the Spirit at work in the church, whose removal is the church’s removal.

A response

Here stands the load-bearing wall, and Scripture does not build it. Daniel 9:27 speaks of “one week.” The architectural claims are the unannounced gap, now of two millennia, inserted between the sixty-ninth week and the seventieth, and the relocation of that final week to the end of history as a global tribulation. On the reading I find stronger, which sees God working through one unfolding covenant of grace rather than two separate programs, the seventy weeks run continuously toward Messiah, the anointed one who is “cut off,” whose once-for-all sacrifice brings the sacrificial system to its effective end, with the destruction of city and sanctuary following in AD 70 (Matt. 24:34; Luke 21:20-32, as we read them). But even before that larger interpretation is settled, one fact should be noticed: Daniel 9 never says that a seven-year tribulation stands at the end of history, and it never states that a gap separates week sixty-nine from week seventy. Those conclusions must be inferred. A doctrine this architectural ought to rest on statement, and it rests on inference stacked upon inference. The two-peoples premise fares no better in Paul. He teaches one olive tree, into which believing Gentiles are grafted among believing branches while unbelieving branches are broken off (Rom. 11:17-24); one new man created from the two (Eph. 2:14-16); one seed: “And if you are Christ’s, then you are Abraham’s offspring, heirs according to promise” (Gal. 3:29). Nothing in Paul suggests a parenthesis. The church is the mystery hidden for ages and now revealed, Gentiles made “fellow heirs, members of the same body” (Eph. 3:6), and God’s future for ethnic Israel in Romans 11 is salvation by ingrafting into that same tree through faith in her own Messiah, never a separate program requiring the Bride’s removal. As for the restrainer, Paul deliberately withholds the name; the Thessalonians knew (“you know what is restraining him,” 2 Thess. 2:6), and we, at this distance, do not. Identifying him as the Spirit-indwelling church whose evacuation is the rapture is a proposal that rests on the very scheme it is summoned to prove. Set the two-track architecture aside and the texts in this case read naturally of one people, one hope, and one coming.

A Question at a Lunch Table

R. C. Sproul was postmillennial, so he and I part company at other points. But he once sat across a lunch table from one of America’s leading dispensational spokesmen and asked him a plain question. Fifty years in the Bible, Sproul said, and he had never found one verse that taught a pre-tribulation rapture. Could the man show him where it was?

The answer was disarmingly honest. He did not know. He had always been taught it was there.

That is the whole difficulty in three sentences. The catching up is on the page. The interval is inferred.

What We Gladly Affirm Together

The final third of Dr. Chou’s message is largely edifying, and I would echo much of it from my own pulpit. The resurrection means our story does not end at the grave. Suffering gains perspective under grace, and “better than I deserve” is the sober truth at any hour of history. Holiness cannot be postponed, because we do not know the day or hour, and blessed is that servant whom the Master finds so doing. Every one of those notes rings true, and not one of them depends on his timeline. Where we finally differ is the shape of the hope itself. He offers a church spared the tribulation by removal. The New Testament offers a church carried through tribulation by her Lord: “In the world you will have tribulation. But take heart; I have overcome the world” (John 16:33). The text gives us the catching up; it does not give us the interval. The blessed hope is not a separate removal of the church seven years before Christ’s appearing. The blessed hope is the appearing itself, “the appearing of the glory of our great God and Savior Jesus Christ” (Titus 2:13): one appearing, visible and final, at which the dead are raised, the living are changed, the world is judged, and the whole people of God, Jew and Gentile in one body, enter unbroken fellowship with the Lord. We can commend Dr. Chou’s exhortation while declining his timeline, and we can do both with affection, because on the day itself, whichever of us has read the order of events rightly, we will stand together, caught up to meet the same King, singing the same anthem. Even so: “Amen. Come, Lord Jesus!” (Rev. 22:20).

A Note on Sources

Since two of Dr. Chou’s historical witnesses have been questioned above, the basis for questioning them should be stated.

The Irenaeus sentence is quoted accurately, but the surrounding pages of Against Heresies place the righteous inside the tribulation rather than outside it. The sermon attributed to Ephraem is of disputed authorship: the manuscripts disagree, some naming Ephraem, who died around 373, others naming Isidore, who died in 636, and scholarly estimates for its date range from the late 300s to the 700s. The 2025 ESV change list confirms that none of the verses quoted here differs from the earlier text. The Sproul exchange is summarized from the recording of a question and answer session with R. C. Sproul and the Ligonier teaching fellows, recorded May 19, 2011, with the exchange at about the eighteen-minute mark.

Several smaller claims are the kind a concordance settles in a few minutes: the word translated “meet” appears three times in the New Testament, the phrase “keep from” twice, Philip was carried to a town up the coast, and the word “church” is absent from the middle chapters of Revelation and from the closing ones alike.

One item turns on the Greek. The passage in the Wisdom of Solomon often cited for Enoch does use the same verb Paul uses in 1 Thessalonians 4:17.

Everything else is exegesis, offered with conviction and an open Bible, and held as the better reading rather than as certainty.

Counted, Not Made

The Righteousness That Is Not Your Own

(Justification is a verdict, not a transformation. God does not accept a man because He has made him righteous; He counts him righteous on the strength of a righteousness that was never his own. Rome condemned that at Trent in 1547 and has never withdrawn the condemnation. A good many Protestants who would never accept Trent have quietly built a substitute of their own. Around 5,000 words, with sources.)

Put two sentences of Scripture side by side and see whether you can hold them together.

“He who justifies the wicked and he who condemns the righteous are both alike an abomination to the Lord” (Proverbs 17:15).

“And to the one who does not work but believes in him who justifies the ungodly, his faith is counted as righteousness” (Romans 4:5).

The first says that a judge who acquits the guilty is detestable to God. The second says that God acquits the guilty. Read them quickly and you have a contradiction. Read them slowly and you have the gospel.

There is only one way both sentences can stand. Justification must be a verdict rather than a transformation, and the ground of that verdict must lie somewhere other than in the person receiving it. If God declared the ungodly righteous on the basis of anything He found in them, Proverbs would convict Him. He does not. He declares them righteous on a ground outside them, and the verdict is true because the ground is real.

That is the doctrine this article is about. Everything else follows from it, including a great deal that most people never connect to it at all.

Counted, not made

Watch the vocabulary Paul reaches for when he wants to explain how a sinner is put right with God. It is not the language of the workshop or the hospital. It is the language of the ledger.

“Abraham believed God, and it was counted to him as righteousness” (Romans 4:3). “Now to the one who works, his wages are not counted as a gift but as his due” (Romans 4:4). “Blessed are those whose lawless deeds are forgiven, and whose sins are covered; blessed is the man against whom the Lord will not count his sin” (Romans 4:7 to 8).

Counted. Reckoned. Credited. Entered in the book. The word Paul uses is an accounting term, and it appears eleven times in that one chapter, because he wants us to understand that justification happens in God’s reckoning of us and not in His remaking of us.

There is an older word for that reckoning, and you will need it before we are finished. The word is imputation, and it means simply that something belonging to one person is credited to the account of another. Hold on to it. Everything in this article eventually turns on that one idea, including a great deal that looks at first as though it has nothing to do with it.

God does remake us. That is a real work and a necessary one, it goes on for the whole of a Christian life, and Scripture calls it sanctification. But it is not justification. The moment those two are folded into one, the gospel begins to slip.

And here we should be careful about how the confusion took hold, because it did not begin with bad faith.

Paul wrote in Greek, and the Greek verb he uses means to declare righteous, as a judge does. In the Latin West that verb was rendered iustificare, from iustus, righteous, and facere, to make. To make righteous. The Latin is not a forgery and it is not nonsense, but it leans, and it leans in one direction. Augustine characteristically heard it that way, as something God does to a man rather than something God says about him, and Augustine shaped Western theology as few men have.

So for centuries the very word a Latin-reading Christian met when he came to this doctrine was already telling him half an answer. The Reformers went back to the Hebrew and the Greek and argued that the biblical language is the language of a courtroom. A word repeated for a thousand years shapes what a church can imagine, and this one did.

Whose righteousness?

If the verdict rests on a ground outside us, we had better ask what that ground is.

Paul tells us in the plainest terms he has. He wants to be found in Christ, he says, “not having a righteousness of my own that comes from the law, but that which comes through faith in Christ, the righteousness from God that depends on faith” (Philippians 3:9). Not my own. That phrase is the hinge of his whole argument, and he sets it against everything he had spent his life accumulating.

And in one sentence he shows how the exchange was made. “For our sake he made him to be sin who knew no sin, so that in him we might become the righteousness of God” (2 Corinthians 5:21). Two transfers, running in opposite directions. Our sin reckoned to Him who had none. His righteousness reckoned to us who had none.

Now let me press something that many believers have never been shown, and that changes how you read the Gospels.

Paul does not say that we are made righteous by the death of Christ alone. He says, “For as by the one man’s disobedience the many were made sinners, so by the one man’s obedience the many will be made righteous” (Romans 5:19). Obedience, not merely death. And when he tells us why the Son was sent, he says God sent Him “born of woman, born under the law, to redeem those who were under the law” (Galatians 4:4 to 5). Born under it. Placed beneath its whole demand, from the manger onward.

Put those two together and you can see why the Gospels spend so long on a life and not merely on a death.

Consider what would be missing otherwise. Suppose the whole of the Lord’s work for us had been that one afternoon at Calvary, the wrath borne, the penalty paid, and nothing else. The debt would be cancelled. But a cancelled debt is not a positive righteousness. A man with nothing against him is not yet a man with something to his credit, and what the law requires of us is not a clean record but a kept commandment.

Which is why He was born at Bethlehem and not sent straight to the cross. Why He lived thirty years the Gospels barely describe, keeping the commandments of God in a carpenter’s shop where no one was watching. And why, when John objected at the Jordan that he was not fit to baptize Him, the Lord answered, “Let it be so now, for thus it is fitting for us to fulfill all righteousness” (Matthew 3:15).

He had no sins to be baptized for. He was fulfilling all righteousness. Matthew does not stop to explain for whom, but Romans 5:19 does, and so the older Reformed pastors were right to insist that both His life and His death are ours.

So when Scripture says we are justified by His blood, it is not describing three hours in isolation. It is naming the death that crowned a whole life of obedience, and both the life and the death are reckoned to everyone who believes.

The faith that merits nothing

Say all of that, and a question presses in immediately. If we are justified by faith, has faith not simply become the one work we perform to earn the verdict? Have we not smuggled merit back in through a side door and given it a religious name?

No. And the answer matters, because a great deal of harm has been done by people who thought the answer was yes.

Faith justifies not because believing is an admirable thing to do, but because of what faith lays hold of. A drowning man is not saved by the excellence of his grip. He is saved by the rope. Faith contributes nothing to justification except the empty hand that receives it. Justification by faith alone is another way of saying justification by Christ alone, and if the phrase ever comes to mean anything else, it has been corrupted.

The Reformers were careful here, and they distinguished three things in saving faith.

There is content. Faith believes something in particular. It is not a warm disposition toward the universe. If a man does not believe that Christ is the Son of God, that He died for sinners, that God raised Him bodily from the dead, he does not have saving faith, however sincere he is.

There is assent. He does not merely know the content, he holds it to be true. Though this by itself will not save anyone. The demons hold it to be true, and they tremble (James 2:19).

And there is trust. He rests his eternity on Christ and on Christ alone. This is the element that cannot be skipped, and it is the one that turns knowledge about a Savior into salvation by a Savior.

Remember those three. We shall need them shortly, because Rome condemned a doctrine of faith that the Reformers never held.

What Rome actually teaches

Now to the contrast, and I want to make it honestly, because a great deal of Protestant writing on this subject has not been honest, and I have no interest in adding to the pile.

A word first about where Rome’s answer is to be found, because I shall be citing it throughout and it will mean nothing to you if you have not met it. When the Reformation forced the question, the Roman Catholic Church summoned a council of her bishops and theologians. It met in the northern Italian city of Trento, which English writers have always called Trent, and it sat on and off from 1545 to 1563. We know it as the Council of Trent. Its sixth session, in January 1547, was given over to justification, and nothing decided there has ever been repealed. When I say Trent from here on, that council is what I mean.

The Council speaks in two forms, and the difference matters. There are chapters, which set out the teaching positively, and there are canons, single sentences that name an error and end with the words “let him be anathema,” meaning let him be cursed and put out of the church. So when I quote a chapter, I am giving you Rome describing her own belief. When I quote a canon, I am giving you the sentence she pronounced on those who believe otherwise.

Now, Rome is not Pelagian. Pelagius was a British monk of the fifth century who taught that a man could keep God’s law and earn heaven by his own natural powers, without any need of grace, and the church condemned him for it. Rome has never taught that a man saves himself by his own unaided efforts, and the opening canons of the sixth session repudiate the idea explicitly. So when Protestants say that we believe in justification by faith and Rome believes in justification by works, or that we believe in grace and they believe in merit, we are not describing Roman Catholicism. We are describing a heresy Rome condemned a thousand years before the Reformation.

Rome affirms grace. Rome affirms Christ. Rome affirms faith, and Trent describes faith as the beginning, the foundation and the root of justification. Those are strong words and they are meant sincerely.

The whole dispute turns on a single distinction. Rome holds faith to be necessary. Rome denies that faith is sufficient.

Here is how the system works, in Rome’s own terms. Trent sets it out by asking what different kinds of cause go into the making of a justified man, borrowing a way of speaking that medieval theology had taken over from Aristotle. Think of a sculptor. There is the man who carves, there is the block of stone, and there is the chisel in his hand. Different sorts of cause, all of them necessary, and it matters which is which.

Trent teaches that the instrumental cause of justification, the chisel, the means by which it is conveyed to a person, is the sacrament of baptism, in which grace is poured into the soul. The recipient cooperates with that infused grace, and the righteousness by which he is righteous is understood to inhere in him. And then Trent names the formal cause, the thing by virtue of which a man actually is righteous in God’s sight, in a sentence that deserves to be read twice.

The one and only formal cause of justification, says the sixth session, is the righteousness of God, not that by which He Himself is righteous, but that by which He makes us righteous, so that we are renewed in the spirit of our mind, and are not only reputed, but are truly called, and are, righteous (Session VI, chapter 7).

Not only reputed. Trent chooses that word deliberately, and it is aiming at us. A righteousness reckoned rather than inherently possessed is precisely what the council is ruling out.

Now be careful here, because this is where Protestants usually misstate Rome and hand her an easy escape. Trent does not teach two stages, a man first made holy and then, later, declared righteous. It teaches one act which has the renewal packed inside it. The Council says in the same breath that justification is not only the forgiveness of sins but the sanctification and renewal of the inward man. So the inherent righteousness is not the fruit that grows after the verdict. It is the thing by virtue of which the verdict can be given at all.

That is a more serious disagreement than the one Protestants usually allege, not a lesser one. We are not arguing about whether holiness follows justification. We are arguing about what makes a man righteous in the sight of God: a righteousness worked into him, or a righteousness reckoned to him.

And that grace can be lost. Rome divides sins into two kinds: venial sins, which wound the soul without killing the grace in it, and mortal sins, which are grave enough to destroy that grace altogether. A man who commits a mortal sin loses his justification. He does not get it back by being baptized a second time. He gets it back through a second sacrament, the sacrament of penance, in which he confesses, is absolved by the priest, and performs what Rome calls works of satisfaction.

It is worth saying that the confession and the absolution were never the offence. The New Testament tells us to confess our sins, and many Protestant churches rightly declare the promise of pardon from Scripture over a repentant congregation. The offence lies further on. Rome teaches that even after the guilt of sin has been forgiven, a debt of temporal punishment may remain to be discharged.

Which brings us to the sentence from which a great deal else hangs. Trent pronounced its anathema on anyone who says that when the grace of justification is received, the guilt is so remitted and the eternal punishment so blotted out that no debt of temporal punishment remains to be discharged, in this world or in purgatory, before heaven can be opened (Session VI, canon 30).

Read that slowly. Forgiven, and still in debt.

Follow what has to happen next, because the rest of the system is built out of that one sentence by simple logic.

If a debt remains after forgiveness, there must be somewhere to pay it. Rome calls that place purgatory, a condition of purifying punishment after death for those who die in God’s grace with the debt still outstanding. It is not hell. Everyone in purgatory is going to heaven. But nobody can say when.

If there is a debt to be paid, there must be a fund to pay it from. Rome calls that fund the treasury of merit. According to the Catechism it holds the infinite merits of Christ, and it holds, in the same treasury, the prayers and good works of the Blessed Virgin Mary and of all the saints.

And if there is a fund, someone must hold the keys and make the withdrawals. That withdrawal is what an indulgence is: a remission of the temporal punishment due to sins whose guilt has already been forgiven. A partial indulgence remits part of that punishment. A plenary indulgence remits the whole of it. And an indulgence may be gained for yourself, or applied to somebody who has already died.

That is not a caricature. Every step of it is Rome’s own account of herself.

The verdict that is not false

Now we arrive at the real objection, and it is a serious one that deserves a serious answer.

Roman Catholic theologians, beginning with Robert Bellarmine, the ablest Roman controversialist of the generation after Trent, have argued that our doctrine asks God to pronounce a verdict that is not true. If a man is a sinner, how can the God of truth call him righteous? Would that not be a legal fiction, a judgment unworthy of a holy God? Scripture itself says that the judgment of God is according to truth (Romans 2:2).

The answer is not to soften imputation. The answer is to notice that God is not saying what we are accused of making Him say.

God does not declare that the believer has personally kept the law. That would indeed be a false verdict. He declares that the believer is united to the One who kept it in his place, and that the obedience of that One is reckoned to his account. There is nothing fictional about the union, and nothing fictional about the righteousness. It is the most real righteousness that has ever existed in this world. The verdict is true.

Herman Bavinck, the Dutch theologian who answered Bellarmine on precisely this point, put it in a sentence: “Justification is as real as sanctification and imputation is no less real than infusion.” And notice his charge: Bellarmine had not merely disagreed with the Reformers, he had misunderstood them.

But there is a second answer, and it cuts deeper.

If reckoning what belongs to one person to the account of another is a fiction, then consider what else must go.

Adam’s guilt is reckoned to those he represented, who never touched the forbidden fruit. Deny imputation and original sin goes with it, and Pelagius was right after all.

The sin of God’s people was reckoned to Christ, who had committed none of it. Deny imputation and the cross becomes an execution rather than an atonement.

And the merits of Mary and the saints are reckoned, by decree, to the account of sinners who did not earn them. Deny imputation and the treasury of merit is empty, purgatory has no remedy, and every indulgence ever granted was a piece of paper.

Here I must be careful, and being careful makes the point harder to answer rather than easier.

Rome would object at once that these are not the same operation, and she would be right. The merits drawn from the treasury are applied to temporal punishment. Rome has never said that the good works of the saints are the righteousness by which a man stands justified before God. Grant that fully and without grumbling.

It still leaves Rome unable to object in principle. If it is unthinkable that God should credit to one person what another person did, then the treasury cannot function, purgatory has no remedy, and every indulgence ever granted was a piece of paper. Rome cannot hold that the reckoning of another’s merit is beneath the dignity of God while maintaining an office in Rome to administer exactly that.

So the dispute was never whether such a reckoning is possible. It is narrower and far more serious. It is whether the righteousness of Christ, reckoned to a believer, is his whole and only standing before God.

Has anything changed?

Many readers will assume all of this was settled a generation ago, and that a Protestant still pressing it in 2026 has not read the news.

Two documents are usually meant, and a third which is weightier than either.

In 1994, Evangelicals and Catholics Together affirmed that we are justified by grace through faith because of Christ. Grace, faith, Christ, and not one word Rome had ever denied. The word Trent anathematized was the word left out. In 1997, The Gift of Salvation supplied the word, saying its affirmation agreed with what the Reformation meant by justification by faith alone, and then set aside for future discussion the question of whether the righteousness in view is imputed or worked within. That is the formal cause. That is the question Trent answered in 1547 and the question the whole dispute turns on. An agreement that leaves it open has agreed about a phrase and not about a doctrine.

Neither of those was an official act of any church. They were statements by private groups of theologians, and it is fair to say so.

The third is different, and it deserves to be taken seriously. On October 31, 1999, in Augsburg, the Roman Catholic Church and the Lutheran World Federation signed the Joint Declaration on the Doctrine of Justification. It states that a consensus in basic truths of the doctrine of justification exists between Lutherans and Catholics, and it goes further, saying that the teaching of the Lutheran churches presented in that Declaration does not fall under the condemnations of the Council of Trent. That is a real event and no honest Protestant should pretend otherwise.

But read the sentence again, and notice the clause. As presented in that Declaration. The document itself says plainly that it does not cover all that either church teaches about justification, and it preserves two accounts side by side, the Lutheran one and the Roman one, with Rome still speaking of justification conveyed through baptism and of righteousness worked within. It also says that nothing is thereby taken away from the seriousness of the sixteenth-century condemnations, which remain as salutary warnings.

So the canons were not repealed. They were declared not to apply to a particular contemporary statement of Lutheran teaching. Those are different things, and Rome herself has said so. In April 2001, L’Osservatore Romano, the newspaper of the Holy See, addressed head on the argument that after Augsburg the Council of Trent’s decree on justification had been quietly set aside, and answered that such a conclusion cannot be sustained. The approval of the Joint Declaration, it said, “does not undo the binding teaching of the Council of Trent.”

It is also worth a Reformed Baptist saying out loud that his church was not at Augsburg and did not sign. Whatever was settled there, it was not settled for us, and the canons still read as they have read since 1547.

And the machinery built on canon 30 is not a museum piece.

On January 10, 2026, the Apostolic Penitentiary issued a decree at the direction of Pope Leo XIV, proclaiming a Year of Saint Francis which runs to January 10, 2027. Throughout that year a plenary indulgence may be obtained on the usual conditions, and the decree states that it may also be applied on behalf of the souls in purgatory. That year is running as you read this.

And the Apostolic Penitentiary is not a committee convened for the occasion. It is a permanent department of the Roman Curia, the government of the Roman Catholic Church, and the granting of indulgences is the work assigned to it. Rome maintains a standing office for this.

One more sentence, from the decree that governed the Jubilee of 2025, the most recent of the holy years Rome has proclaimed at intervals since 1300. It states that during that Jubilee all other previously granted indulgences remain in force.

Not reformed. Not quietly retired. In force.

Can you know?

All of which would be an argument between theologians, except that it reaches ordinary people, and it reaches them at the worst moments of their lives.

Some years ago a woman telephoned a Roman Catholic radio programme. Her husband had died two years before. She had done everything the church prescribes for a plenary indulgence on his behalf. She had confessed her sins to a priest, received communion, prayed for the intentions of the Pope, walked through the holy doors that Rome opens at certain churches during a holy year, and performed a work of mercy. All of it, in order. Then she rang the programme to ask whether what she had done was a step toward getting her husband out of purgatory, or whether it had completed his purification altogether.

The apologist answered her carefully and, by Rome’s own standards, correctly. A plenary indulgence remits all temporal punishment, so if it took effect, her husband’s purification is finished. But whether it took effect, he told her, is something we cannot know. Only God knows that.

She thanked him, and said she was going to do another one on Saturday. For her mother. Dead twenty years.

And he told her not to stop.

I do not tell that story to make her ridiculous. She was not ridiculous. She was obedient, she was grieving, and she was doing exactly what she had been taught to do by people who love her. If anything in this article deserves anger, it is not aimed at her.

But hold what she was told beside what the letter to the Hebrews says.

I should be exact about what that letter is arguing, because Rome would object here and the objection has to be met rather than dodged. Hebrews is contrasting the one sacrifice of Christ with the repeated sacrifices of the old covenant. It is not discussing indulgences, and Rome would rightly insist that an indulgence is not another sacrifice of Christ. Take that as granted.

And notice that Hebrews settles the question anyway, before the discussion of indulgences can even begin.

“For by a single offering he has perfected for all time those who are being sanctified” (Hebrews 10:14).

Read that sentence slowly, because it holds two things at once. Perfected, in the perfect tense, an act completed with a result that stands. And being sanctified, in the present, a work still going on. The very people whose transformation is unfinished are the people whose standing is already complete. Their sanctification has a long way to run. Their acceptance does not.

That is the whole difference in a single verse. Rome takes the unfinished transformation as proof that the acceptance cannot yet be final. Hebrews says the acceptance was made final by one offering while the transformation was still in progress.

And four verses on, the writer draws his own conclusion: “Where there is forgiveness of these, there is no longer any offering for sin” (Hebrews 10:18).

That is what she could not be told. Not that an indulgence is a sacrifice, but something far simpler and far harder for the system to say: that it is finished, that the account is settled, and that there is nothing left to send.

And this is why Trent had to rule out the kind of certainty the Reformers preached, and why it was being consistent when it did. The sixth session condemned anyone who says a man must believe with certainty, and without any hesitation arising from his own weakness, that his sins are forgiven him (canon 13), and anyone who claims a sure and absolute certainty that he will persevere to the end, unless he has learned it by special revelation (canon 16).

Rome does not forbid hope. She forbids the settled certainty the Reformers located in God’s promise and in a righteousness already complete. And on her own premises she is right to. If justification includes a righteousness being worked into you, then nobody this side of the grave can know the work is done, and it would be dishonest to tell him otherwise.

Notice too what canon 12 actually condemns. It condemns a faith that is confidence in the divine mercy and nothing else. It is fair to say the canon has the Reformers in view, since they did place trust at the centre of justifying faith. But the faith they described was never trust alone. It was content, assent and trust together, which is why the canon does not accurately describe the doctrine it was written against.

Now hear the alternative, and hear how the tenses run.

“Therefore, since we have been justified by faith, we have peace with God through our Lord Jesus Christ” (Romans 5:1). Have been justified. Have peace. Not shall have, if the process completes. “There is therefore now no condemnation for those who are in Christ Jesus” (Romans 8:1). Now.

That is what can be said to a dying believer, and it can be said without crossing any fingers. Not that we hope enough has been done. Not that God may apply the graces as He sees fit. That the debt was paid in full by Another, that the payment was accepted, that the verdict has already been handed down, and that nothing in this world or the next can reopen the case.

A word to those who think this is somebody else’s problem

Rome is not the only church that has found a way to leave a man depending, in the end, on something he did.

If you have read this far nodding, stay a moment longer, because there is a Protestant version of the same error and it may be nearer to you than Rome ever was.

Nowhere does Scripture teach justification by the profession of faith.

We are anxious to see results, so we help the gospel along. Come to the front. Raise your hand. Repeat this prayer after me. Sign the card. And then, having got the response we wanted, we tell people they are saved because they did it, and we build a doctrine to explain why so many who did it show no sign of life afterward.

Anyone can make a profession. The Lord Jesus said that on the last day many will say to Him, Lord, Lord, and will list the things they did in His name, and He will tell them He never knew them (Matthew 7:21 to 23). Many. That is His word, not mine, and it is one of the most frightening sentences He ever spoke.

It is not the profession that saves. It is the possession. And the same instinct that builds a treasury of merit in Rome will quietly build one here, out of church attendance and decent behaviour and a prayer prayed at a summer camp in 1987, to be drawn on whenever the conscience presses.

That is the same error in a plainer suit. It says the cross needed the help.

It did not.

Counted righteous

May I ask you something, and mean it kindly?

And before I do, let me close a door I have left ajar all this while. None of this makes holiness optional. The same Christ whose obedience is counted to us sends His Spirit to make us new, and that work begins the moment the verdict is given and does not stop until we see Him. The point has never been that God leaves us as we are. The point is that He does not wait until the change is finished before He accepts us.

Now the question.

If you are a Roman Catholic reading this, you have been told that the debt is real and that the remedy is administered, a little at a time, by an office that cannot tell you when the account will be clear. I am telling you that the debt was real, that the remedy is finished, and that the difference between those two sentences is the difference between a religion and the gospel.

And if you are trusting anything of your own, any obedience, any decision, any record of attendance, put it down. It cannot bear the weight and it was never meant to.

There is a righteousness that is not your own. It was lived out in a carpenter’s shop and on a dusty road and in a garden where He sweat as it were great drops of blood, and it was completed on a cross where He cried that it was finished. It is offered now to everyone who will stop working and simply receive it.

Counted, not made. Reckoned, not earned. Received, not achieved. His, and by faith yours.

By a single offering He has perfected for all time those who are being sanctified. To Him be the glory, forever. Amen.

Sources

Council of Trent, Session VI (January 13, 1547), Decree on Justification: chapter 7 (the causes of justification; the sole formal cause; justification as including “the sanctification and renewal of the inward man”; “not only reputed, but are truly called, and are, just”); chapter 8 (faith as the beginning, foundation and root of justification); canon 11 (against justification by the sole imputation of the righteousness of Christ); canon 12 (against justifying faith as confidence in the divine mercy); canon 13 (against the required certainty that one’s sins are forgiven); canon 16 (against certainty of final perseverance); canon 30 (against the denial of remaining temporal punishment).

Catechism of the Catholic Church, paragraphs 1030 to 1032 (purgatory), 1471 (definition of an indulgence), 1476 to 1478 (the treasury of the Church and the opening of it).

Decree of the Apostolic Penitentiary on the occasion of the Eighth Centenary of the death of Saint Francis of Assisi, January 10, 2026, published by the Holy See Press Office on January 16, 2026.

Decree on the Granting of the Indulgence during the Ordinary Jubilee Year 2025, Apostolic Penitentiary, May 13, 2024, which states that all other previously granted indulgences remain in force.

Praedicate Evangelium, n. 193, on the competence of the Apostolic Penitentiary.

Evangelicals and Catholics Together: The Christian Mission in the Third Millennium, First Things, May 1994.

The Gift of Salvation, signed November 12, 1997; published in Christianity Today, December 8, 1997, and in First Things, January 1998.

Joint Declaration on the Doctrine of Justification, Lutheran World Federation and the Roman Catholic Church, signed at Augsburg on October 31, 1999. See paragraphs 5 (the Declaration does not cover all that either church teaches about justification), 40 (consensus in basic truths), 41 (the condemnations of Trent do not fall on Lutheran teaching as presented in the Declaration), and 42 (nothing is taken away from the seriousness of those condemnations, which remain as salutary warnings). On the binding force of Trent after the signing, see “Some Reflections on the Joint Declaration on the Doctrine of Justification,” L’Osservatore Romano, weekly edition in English, 4 April 2001, page 10. The sentence quoted in this article continues by naming the First and Second Vatican Councils alongside Trent.

Catholic Answers Live, caller segment with Karlo Broussard, posted to the Catholic Answers YouTube channel on December 8, 2016: https://www.youtube.com/watch?v=pCvsFxpl1eg. The reference to All Souls Day within the segment places the broadcast on or about November 2, 2016.

Herman Bavinck, Reformed Dogmatics, volume 4 (Baker Academic), page 213: “Justification is as real as sanctification and imputation is no less real than infusion.” In the same paragraph Bavinck names Bellarmine and his associates as having misconstrued the doctrine. Robert Bellarmine’s own treatment of justification appears in the Disputationes de Controversiis (1593).

Scripture quotations are from the English Standard Version, 2025 text edition.