Does Ephesians 2:8-9 Really Teach Sola Fide?

One of the proof texts Protestants very often cite in order to defend their doctrine of sola fide—that we are justified by faith alone—is Ephesians 2:8–9. Here is how it reads in the RSV-CE:
For by grace you have been saved through faith; and this is not your own doing, it is the gift of God—not because of works, lest any man should boast.
The topic of justification is admittedly very large and complex, has a lot of nuance, and involves a great many texts of Scripture; and so for this post I will limit myself to this one text in Ephesians and show (1) that it is not sufficient as a proof text to establish sola fide; (2) that it is entirely consistent with the Catholic understanding of justification, as it is developed in the Council of Trent. In other words, Protestants should not continue to bring it up as though Catholics are unaware of it and will be unsettled or refuted by it.
Indeed, one great problem with a proof-texting approach to the Bible is that it is easy to find verses that could be said to prove something very different. For example, 1 Peter 3:21 says, “Baptism now saves you.” James 2:24 says, “A man is justified by works and not by faith alone.” No one reads these texts and tries to set up a doctrine of justification by baptism alone, or by works alone. Likewise, it is also false to read Ephesians 2:8–9 as though it were teaching faith alone. If you proof text in this way—if you read passages in isolation from the entire witness of Scripture, not to mention in isolation from their own context—you will very quickly go far wrong.
Catholics are often accused of believing in works salvation—that you can work your way into heaven, that your works can earn salvation for you. But in fact, any such idea was condemned as heresy at the Council of Trent. (It was condemned much earlier in Church history too, at the Council of Carthage and the Council of Ephesus. Trent’s Decree Concerning Justification can be found here.)
Canon 1. If anyone says that man can be justified before God by his own works, whether done by his own natural powers or through the teaching of the law, without divine grace through Jesus Christ, let him be anathema.
It is only “by divine grace through Jesus Christ” that we are enabled to do good works at all. And Trent also says that justification begins only from “the predisposing grace of God,” who calls us “without any merits” of our own (Chap. 5). Thus when St. Paul writes to the Ephesians that “by grace you have been saved through faith; and this is not your own doing, it is the gift of God,” that is entirely consistent with the teaching of the Church at Trent.
But justification, in the Catholic understanding, does not begin and end there. It is a process that can be divided into the following stages.
- Initial justification, which takes place upon conversion to the Christian faith;
- Continuing justification, which occurs as a person grows in faith, in good works, and in righteousness;
- Final justification, which takes place at the final judgment on the Last Day.
(This is why the correct answer to the question “Are you saved?” is: “I have been saved; I am being saved; I hope to be saved.” It is a process; St. Paul says, in Philippians 2:12, “Work out your own salvation with fear and trembling.”)
Works (that is, works of charity, not the works of the law) have a necessary role in our continuing justification—by them we increase in righteousness—but they do not in any way earn salvation it for us: That is not Catholic teaching; we do not work our way into Heaven.
And so when Paul tells the Ephesians that they are saved “by grace” and “not because of works,” he is properly understood to be speaking of our initial justification. To see that this is so, it is necessary to go back a few verses, to Ephesians 2:1, and read the full context.
And you he made alive, when you were dead through the trespasses and sins in which you once walked, following the course of this world, following the prince of the power of the air, the spirit that is now at work in the sons of disobedience. Among these we all once lived in the passions of our flesh, following the desires of body and mind, and so we were by nature children of wrath, like the rest of mankind. But God, who is rich in mercy, out of the great love with which he loved us, even when we were dead through our trespasses, made us alive together with Christ (by grace you have been saved), and raised us up with him, and made us sit with him in the heavenly places in Christ Jesus, that in the coming ages he might show the immeasurable riches of his grace in kindness toward us in Christ Jesus. For by grace you have been saved through faith; and this is not your own doing, it is the gift of God—not because of works, lest any man should boast.
Paul is speaking here of the time before our conversion, when we were still dead in our sins. At that time, God through his grace alone makes us alive in Christ, without any merits or works on our own part. That is what the Council of Trent teaches:
The holy council declares first, that for a correct and clear understanding of the doctrine of justification, it is necessary that each one recognize and confess that since all men had lost innocence in the prevarication of Adam, having become unclean, and, as the Apostle says, by nature children of wrath, as has been set forth in the decree on original sin, they were so far the servants of sin and under the power of the devil and of death, that not only the Gentiles by the force of nature, but not even the Jews by the very letter of the law of Moses, were able to be liberated or to rise therefrom, though free will, weakened as it was in its powers and downward bent, was by no means extinguished in them. (Chap. 1)
This chapter (and the ones immediately following) speak of the precise stage in the Christian life that Paul is addressing. But justification does not end there, it only begins there. And those who cite Ephesians 2:8–9 as though it were a proof text for sola fide must not leave out verse 10:
For we are his workmanship, created in Christ Jesus for good works, which God prepared beforehand, that we should walk in them.
Good works are what God’s grace save us for. It is only by understanding justification as a process, not a once-for-all event, that we can reconcile Ephesians 2 with Romans 3 with James 2 with 1 Peter 3. When James 2:24 tells us that we are saved by works and not by faith alone, James is speaking of our continuing justification, after our initial conversion: His subject is growth in righteousness.
We are saved by faith, we are saved by grace, we are saved by baptism, we are saved by works—but we are saved by none of them alone. Ephesians 2 gives us only one part of the picture, and for that reason is not a proof text for sola fide.