金光明經文句記 3.237

3.237

三、「著此」下，結須懺。三學三教名報障者，此心成就由宿熏感，望後在因、望前為果，故得名為於報起障，障故須懺。

Third, from 'attached to this' onward, concluding with the necessity of repentance. The reason why the three learnings and three teachings are called retributive obstacles is that the accomplishment of this mind arises from past habitual impressions; looking ahead, it is in the cause, while looking back, it is the result; hence it can be named 'giving rise to obstacles in retribution', and because it is an obstacle, it must be repented.