“Owe nothing to anyone except to love one another; for he who loves his neighbor has fulfilled the law” (Romans 13:8).
Federal Visionists love verses like this because they think that it is possible for sinners to fulfill the law. However, this is thinly-disguised Pelagianism.
The Reformed faith has always insisted that the law requires absolute perfection. Since we have all sinned, it is impossible for any mere man to fulfill the law.
Furthermore, no one loves his neighbor perfectly, and so, no one “fulfills” the law. Only Jesus loves perfectly, and thus, only Jesus can fulfill the law. Paul must be referring to the fact that we receive Jesus’ law keeping in the imputation the active obedience of Christ. Thus, we should be moved to love out of gratitude, knowing that love does not fulfill the law.