Preheat oven to 350 degrees.
Spray a loaf pan with cooking spray.
Put the oatmeal in a blender and pulse to a fine crumb.
Add the remaining ingredients (except the chocolate chips) to the blender, and blend until combined. You will need to scrape down the sides and blend again to combine everything.
The batter will be very thick. The oatmeal gives it a grainy texture. If it is too crumbly, add a few tablespoons of water to the mixture. Just remember you want the batter to be thick.
Fold in 1 cup of the chocolate chips.
Pour the batter in the loaf pan.
Top with the remaining chocolate chips.
Bake for 30 minutes, or until a toothpick comes out clean.