/summa/TP/TPIII/TP_Q86:
We must now consider the effect of Penance; and (1) as regards the pardon of mortal sins; (2) as regards the pardon of venial sins; (3) as regards the return of sins which have been pardoned; (4) as regards the recovery of the virtues.
Under the first head there are six points of inquiry:
(1) Whether all mortal sins are taken away by Penance?
(2) Whether they can be taken away without Penance?
(3) Whether one can be taken away without the other?
(4) Whether Penance takes away the guilt while the debt remains?
(5) Whether any remnants of sin remain?
(6) Whether the removal of sin is the effect of Penance as a virtue, or as a sacrament?