“A counterfeit faith is one that hears about God, Christ, and all the mysteries of the incarnation and redemption, one that also grasps what it hears and can speak beautifully about it; and yet only a mere opinion and a vain hearing remain, which leave nothing in the heart but a hollow sound about the Gospel, concerning which there is a great deal of chatter.  In fact, this is not faith at all; for it neither renews or changes the heart.  It does not produce a new man, but leaves him in his former opinion and way of life.  This is a very pernicious faith, and it would be better not to have it.  A moral philosopher is better than such a hypocrite with such a faith.”

Lectures on Galatian, 1535 (Works, Vol. 26, p. 269)