Step 1: Combine beans through cumin in a blender or food processor fitted with metal blade.
Step 2: Process until smooth (about 1 minute.
Step 3: Heat in a medium saucepan over medium heat until heated through.
Step 4: Ladle into 2 soup bowls.
Step 5: Spoon a 1 Tbs dollop of sour cream on top of each and swirl gently.
Step 6: Sprinkle with sliced scallions, plus (if desired) chopped chili pepper.
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