It is a mystery
Brother
shturt678 threw in a little Latin and now everything seems obfuscated and a little confusing - hence the mystery.
Catholics are sticklers for documenting things. So, naturally, we have documented the way we use the word "faith" in our Catechism. The entry in the CCC glossary says that Faith is
both a gift of God and a human act by which the believer gives personal adherence to God who invites his response, and freely assents to the whole truth that God has revealed. It is this revelation of God which the Church proposes for our belief, and which we profess in the Creed, celebrate in the sacraments, live by right conduct that fulfills the twofold commandment of charity (as specified in the ten commandments), and respond to in our prayer of faith. Faith is both a theological virtue given by God as grace, and an obligation which flows from the first commandment of God.
Perhaps dear brother
shturt678 will expand on his thought in the light of the glossary entry. If he has any questions about the entry - for the sake of clarification - I will try to accommodate him as best I can.
Cheers and many blessing from God to you both.