Despite the straightforwardness in which these sources explain the doctrine of Imputation, some Protestant sources are honest enough to admit that the teaching is not clearly laid out in Scripture. One scholar, George Ladd, taught the following in his hugely popular seminary textbook:
Paul never expressly states that the righteousness of Christ is imputed to believers. His words are, “And to the one who does not work but trusts him who justifies the ungodly, his faith is reckoned as righteousness” (Rom 4:3,5).
These words could be taken to mean that God regarded faith as the most meritorious human achievement, and therefore God accounts faith as the equivalent to full righteousness. This, however, would ignore the context of Pauline thought.
(A Theology of the New Testament, “Imputation”)
This text in context reads:
Note the last sentence: "It is an unavoidable logical conclusion that people of faith are justified because Christ's righteousness is imputed to them." So, exactly what "is not clearly laid out in Scripture"?
Thanks guys. Great stuff.