Faith is a miracle. For most of us, that miracle started in our baptism. There at the baptismal font, God put his name on us and made us his children. He put his claim on us and took us for his own. There in the blest baptismal waters, Christ’s holy blood washed away our sins. The Holy Spirit was given to us, the Spirit who creates and nourishes saving faith in us, and keep us in the one true faith our whole life long. In my own case, for instance, I was baptized as an infant and raised in the church, and I cannot remember any time in my whole life when I did not believe two things: 1) The Bible is God’s Word; and 2) Jesus is my Savior. My story is but one of a countless number of examples of how God’s gospel promise, delivered in Holy Baptism, does the job. It works. It works faith in the Christian believer, sustained by an ongoing life in Word and Sacrament. What is this faith? It is not just a mere intellectual belief that there is some sort of a Higher Power up there. That is not saving faith. No, faith, biblically speaking, is much more specific and substantial than that. When we’re talking about faith, we’re talking about faith in the one true God–the triune God, Father, Son, and Holy Spirit, who has revealed himself to us in Holy Scripture, in the preaching and teaching of the gospel.I post stuff like this for my Reformed brethren. While the Reformed church I am a member of does baptize children, I've never heard anyone in my church claim the gift of faith was given to them during their baptism as an infant.
From a Reformed perspective, the word "faith" has deep and nuanced meanings throughout the New Testament. In regard to soteriology, I'm fond of Ephesians 2. There Paul describes the universal plight of humanity by singling out the testimony of the Ephesians. Formerly, like all of humanity, they were dead in their transgressions and sins. But by grace they were saved through faith, and that not of themselves- it is the gift of God. That's the paradigm I find expressed in the Scriptures. I don't see any sort of construct that infants have been given some sort of faith at baptism, simply waiting to be acted upon by their own wills.