Preheat the oven to 350 degrees F (175 degrees C).
Combine refried beans, garlic powder, onion powder, and cumin in a bowl; mix well.
Pour tortilla chips onto a baking sheet in one layer. Spoon bean mixture over tortilla chips. Top with Colby-Monterey Jack cheese and jalapenos.
Bake in the preheated oven until cheese is melted, about 5 minutes.
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