Preheat oven to 350°F and grease or line a 12-cup muffin tin.
Mix oat flour, pumpkin puree, Greek yogurt, eggs, protein powder, spices, baking powder, and baking soda in a bowl until combined.
Fold in chocolate chips, reserving some for topping.
Divide batter evenly among muffin cups.
Bake for 25–30 minutes until a toothpick comes out clean.
Cool slightly before enjoying.
