Rinse pinto beans and remove foreign materials, shriveled beans, etc.

Add all pressure cooker items to pressure cooker and give a quick stir.

Bring pressure cooker to high pressure and hold for 30 minutes.

Remove bay leaf and garlic and blend to your desired consistency (chunky or smooth).

In a frying pan, add oil and saute the onions, garlic and jalapeños until soft (about 5 minutes).

Add spices and saute another minute or two to combine with veggies.

Add beans and fry together another five minutes or so.

Adjust salt and spices as necessary.

Serve with a dallop of sour cream or your choice of cheese on top.