It's not, at least not in the tradition of the Reformers. It creates them. However to leave it at that would be a bit unfair to you, because it would imply that you've simply misunderstood Christians, and have postulated a primacy to faith that isn't really there. In fact there are things said that could easily give rise to your impression. Maybe there's something to that, but I'd like to point out two things.
Grace always comes first.
Second, faith always included with it repentance. Faith without repentance is a contradiction in terms. It's not real faith, but a religious enthusiasm. While repentance is not itself an action, it is the process that ties faith to action. So requiring repentance is a guarantee that we can't really have faith without works.