Preheat the oven to 350 degrees.
Prepare a 8.5x4.5 or 9x5 loaf pan by either lightly greasing or lining the bottom with parchment paper.
In a large mixing bowl, add the oat flour, almond flour, ground flaxseeds, tapioca starch, baking powder, baking soda, salt, cinnamon, nutmeg, cloves, and all spice. Mix to combine.
In a separate small bowl, whisk together the pumpkin, milk, maple syrup, coconut oil, eggs, and vanilla.
Add the wet ingredients to dry ingredients and mix until just combined (do not overmix). Fold in the chocolate chips, reserving a few to sprinkle on top of the batter before baking.
Pour the batter into prepared loaf pan and evenly spread in pan. Sprinkle with remaining chocolate chips.
Bake for 45-50 minutes, or until a toothpick inserted into the center comes out clean. Check bread around 25-30 minutes. If the top is beginning to brown too much you can grab some tin foil and tent the top of the bread. This will keep the top from browning too much while the bread continues to bake.
Allow bread to cool slightly and move to a cooling rack or cutting board to fully cool.
Slice and enjoy!