What is true faith?

True faith is not only a sure knowledge by which I hold as true all that God has revealed to us in Scripture;¹ it is also a wholehearted trust,² which the Holy Spirit creates in me³ by the gospel,⁴ that God has freely granted, not only to others but to me also,⁵ forgiveness of sins, eternal righteousness, and salvation.⁶

These are gifts of sheer grace, granted solely by Christ's merit.⁷