Then the householder Anāthapiṇḍika went up to the Buddha, bowed, and sat down to one side. The Buddha said to him:

“Householder, when a noble disciple has quelled five fears and enmities, possesses the four factors of stream-entry, and has clearly seen and penetrated the noble system with wisdom, they may, if they wish, declare of themselves:
‘I’ve finished with rebirth in hell, the animal realm, and the ghost realm. I’ve finished with all places of loss, bad places, the underworld. I am a stream-enterer! I’m not liable to be reborn in the underworld, and am destined for awakening.’

What are the five fears and enmities they have quelled?
Anyone who kills living creatures brims with fear and enmity both in this life and in lives to come, and experiences mental pain and sadness. Anyone who refrains from killing living creatures does not brim with fear and enmity either in this life or in lives to come, and doesn’t experience mental pain and sadness.
So that fear and enmity is quelled for anyone who refrains from killing living creatures.

Anyone who steals …
Anyone who commits sexual misconduct …
Anyone who lies …
Anyone who consumes beer, wine, and liquor intoxicants brims with fear and enmity both in this life and in lives to come, and experiences mental pain and sadness. Anyone who refrains from consuming beer, wine, and liquor intoxicants does not brim with fear and enmity either in this life or in lives to come, and doesn’t experience mental pain and sadness.
So that fear and enmity is quelled for anyone who refrains from consuming beer, wine, and liquor intoxicants.
These are the five fears and enmities they have quelled.

What are the four factors of stream-entry that they possess?
It’s when a noble disciple has experiential confidence in the Buddha:
‘That Blessed One is perfected, a fully awakened Buddha, accomplished in knowledge and conduct, holy, knower of the world, supreme guide for those fit for training, teacher of gods and humans, awakened, blessed.’
They have experiential confidence in the teaching:
‘The teaching is well explained by the Buddha—apparent in the present life, immediately effective, inviting inspection, relevant, so that sensible people can know it for themselves.’
They have experiential confidence in the Saṅgha:
‘The Saṅgha of the Buddha’s disciples is practicing the way that’s good, direct, systematic, and proper. It consists of the four pairs, the eight individual persons. This is the Saṅgha of the Buddha’s disciples that is worthy of offerings dedicated to the gods, worthy of hospitality, worthy of a religious donation, worthy of greeting with joined palms, and is the supreme field of merit for the world.’
And a noble disciple’s ethical conduct is loved by the noble ones, unbroken, impeccable, spotless, and unmarred, liberating, praised by sensible people, not mistaken, and leading to immersion.
These are the four factors of stream-entry that they possess.

And what is the noble system that they have clearly seen and penetrated with wisdom?
It’s when a noble disciple reflects:
‘When this exists, this comes to be; due to the arising of this, this arises.
When this doesn’t exist, this doesn’t come to be; due to the cessation of this, this ceases. That is:
Ignorance is a requirement for choices.
Choices are a requirement for consciousness.
Consciousness is a requirement for name and form.
Name and form are requirements for the six sense fields.
The six sense fields are requirements for contact.
Contact is a requirement for feeling.
Feeling is a requirement for craving.
Craving is a requirement for grasping.
Grasping is a requirement for continued existence.
Continued existence is a requirement for rebirth.
Rebirth is a requirement for old age and death, sorrow, lamentation, pain, sadness, and distress to come to be.
That is how this entire mass of suffering originates.
When ignorance fades away and ceases with nothing left over, choices cease. When choices cease, consciousness ceases. When consciousness ceases, name and form cease. When name and form cease, the six sense fields cease. When the six sense fields cease, contact ceases. When contact ceases, feeling ceases. When feeling ceases, craving ceases. When craving ceases, grasping ceases. When grasping ceases, continued existence ceases. When continued existence ceases, rebirth ceases. When rebirth ceases, old age and death, sorrow, lamentation, pain, sadness, and distress cease.
That is how this entire mass of suffering ceases.’
This is the noble system that they have clearly seen and penetrated with wisdom.

When a noble disciple has quelled five fears and enmities, possesses the four factors of stream-entry, and has clearly seen and comprehended the noble cycle with wisdom, they may, if they wish, declare of themselves:
‘I’ve finished with rebirth in hell, the animal realm, and the ghost realm. I’ve finished with all places of loss, bad places, the underworld. I am a stream-enterer! I’m not liable to be reborn in the underworld, and am destined for awakening.’”