Tartanarmy,
Since you responded with this first:
The key phrase in Paul's Letter to the Ephesians is this:
"...even when we were dead in trespasses, made us alive together with Christ (by grace have you been saved)" (Eph. 2:5).
Here Paul locates the time when regeneration occurs.
It takes place 'when we were dead.'
With one thunderbolt of apostolic revelation all attempts to give the initiative in regeneration to man are smashed.
Again, dead men do not cooperate with grace.
I will comment on this passage first. I take this "thunderbolt" as your very best passage. I am wondering if you skipped over part of Ephesians.
In chapter 5:1 and following, Paul admonishes the Ephesians to avoid certain behaviors that will cause them
not to inherit the Kingdom of God (compare Galatians 5:19-21). He then goes on to urge them, v. 14, "Awake, you who are sleep,
arise from the dead, and Christ will give you light." You should know that the Greek word for dead,
nekros, is exactly the same in Ephesians 2:1, 2:5, and 5:14. How then does Paul urge them to do something synergistically in 5:14 which according to you, if you are consistent, must be a monergistic act of God? You informed us "dead men" do not cooperate with grace, of which you have no proof.
In Colossians 2:11-13 we read:
11 In Him you were also circumcised with the circumcision made without hands, by putting off the body of the sins[a] of the flesh, by the circumcision of Christ, 12 buried with Him in baptism, in which you also were raised with Him through faith in the working of God, who raised Him from the dead. 13 And you, being dead in your trespasses and the uncircumcision of your flesh, He has made alive together with Him, having forgiven you all trespasses,
This passage certainly seems to indicate that baptism, at least normatively, is the occasion of the new birth. Notice, if you will, "buried with Him in baptism", "raised with Him through faith", and then "made alive together with Him". When does this passage, on any fair reading, indicate the new birth occurs? With this the entire early church agreed. I defy you to find even one early church father who had a different belief than this. How did those who had learned at the feet of the Apostles get it completely wrong, every one of them?
Again consider Romans 6:1-11:
1 What shall we say then? Shall we continue in sin that grace may abound? 2 Certainly not! How shall we who died to sin live any longer in it? 3 Or do you not know that as many of us as were baptized into Christ Jesus were baptized into His death? 4 Therefore we were buried with Him through baptism into death, that just as Christ was raised from the dead by the glory of the Father, even so we also should walk in newness of life.
5 For if we have been united together in the likeness of His death, certainly we also shall be in the likeness of His resurrection, 6 knowing this, that our old man was crucified with Him, that the body of sin might be done away with, that we should no longer be slaves of sin. 7 For he who has died has been freed from sin. 8 Now if we died with Christ, we believe that we shall also live with Him, 9 knowing that Christ, having been raised from the dead, dies no more. Death no longer has dominion over Him. 10 For the death that He died, He died to sin once for all; but the life that He lives, He lives to God. 11 Likewise you also, reckon yourselves to be dead indeed to sin, but alive to God in Christ Jesus our Lord.
Here Paul speaks of the old man, spiritually dead, being raised to new life in Christ at the time of baptism. All three passages speak of the new birth in the same way: with Christ. We are baptized into Christ. I suppose the early church fathers didn't have the time or inclination to sort this out, the most basic of doctrines.
Do not get me wrong, I am not a baptismal regenerationist in the Roman sense, but believe that baptism is normatively when God acts. Indeed He is the chief baptizer.