Summary

Portrait of Thomas Aquinas Thomas Aquinas Summa Theologiae — Question 86 - OF THE EFFECT OF PENANCE, AS REGARDS THE PARDON OF MORTAL SIN…

I answer that, It is impossible for a mortal actual sin to be pardoned without penance, if we speak of penance as a virtue. For, as sin is an offense against God, He pardons sin in the same way as he pardons an offense committed against Him. Now an offense is directly opposed to grace, since one man is said to be offended with another, because he excludes him from his grace.
Source: Wikisource

Portrait of Thomas Aquinas Thomas Aquinas Summa Theologiae — Question 86 - OF THE EFFECT OF PENANCE, AS REGARDS THE PARDON OF MORTAL SIN…

Accordingly, in so far as mortal sin turns away from the immutable Good, it induces a debt of eternal punishment, so that whosoever sins against the eternal Good should be punished eternally. Again, in so far as mortal sin turns inordinately to a mutable good, it gives rise to a debt of some punishment, because the disorder of guilt is not brought back to the order of justice, except by punishment: since it is just that he who has been too indulgent to his will, should suffer something against his will, for thus will equality be restored.
Source: Wikisource

Portrait of Thomas Aquinas Thomas Aquinas Summa Theologiae — Question 86 - OF THE EFFECT OF PENANCE, AS REGARDS THE PARDON OF MORTAL SIN…

Hence it is possible for a man to pardon an offense, for which he is offended with someone, without any change in the latter's will; but it is impossible that God pardon a man for an offense, without his will being changed. Now the offense of mortal sin is due to man's will being turned away from God, through being turned to some mutable good. Consequently, for the pardon of this offense against God, it is necessary for man's will to be so changed as to turn to God and to renounce having turned to something else in the aforesaid manner, together with a purpose of amendment
Source: Wikisource

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