This discourse was taught by the Blessed One, taught by the Arahant, the fully enlightened Supreme Buddha. This is as I heard:
“Monks, there are two things which cause remorse. What are the two? Here, monks, there is a person who has not done what is good, has not done what is wholesome, has not made merit that protects his life and, instead, has done what is evil, cruel, and defiled. Thinking, ‘I have not done what is good,’ he feels remorse.
Thinking, ‘I have done what is evil,’ he feels remorse. These are the two things that cause remorse.
This is the meaning of what the Blessed One said. So, with regard to this, it was said:
Having engaged in bodily misconduct, verbal misconduct, mental misconduct, and in whatever else is flawed; not having done what is wholesome and having done much that is unwholesome, at the breakup of the body, that foolish one is reborn in hell.
This, too, is the meaning of what was said by the Blessed One. This is exactly as I heard.