Norman Shepherd's views on covenant theology, justification, and Gospel and Law have sparked vitriolic controversy in Reformation Christianity. His definition of saving faith - a submissive, penitent, obedient trust, which has nothing whatever to do with man's merit, virtue or performance to curry God's reward - has been met not only with disagreement and opposition but also with recrimination and anathema. Faith alone justifies, teaches Shepherd, but that faith is active in hanging onto the promises of God in Jesus Christ and in submitting to His will. The present work is an exploration and elucidation of saving faith according to the Old Testament, to Jesus, to James, to Paul and to the rest of the New Testament