Heat oven to 350. Spray a 9" x 13" pan w/ cooking spray. Place chips in bottom of pan.
In saucepan, stir together beans and taco seasoning over medium heat , stirring until heated through.
Spread mix over chips. Sprinkle cheese over mix. Bake for 5 mins. Dollop w/ gaucamole and sour cream. Sprinkle w/ scallions and tomatoes.
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