Not by works of righteousness which we have done, but according to his mercy he saved us,
by the washing of regeneration, and renewing of the Holy Ghost… Titus 3:5
… if baptism caused, or was, regeneration, the phrase should have been "the regeneration of washing." The actual phrase "the washing of regeneration" indicates that regeneration washes, not that washing regenerates.
The Pastoral Epistles. The Works of Gordon Haddon Clark. Vol. 15. Pg. 167
The Trinity Foundation. P.O. Box 68. Unicoi, TN 37692. 1998.