Preheat the oven to 425 degrees Fahrenheit.

In a mixing bowl, whisk together the flour, oats, baking powder, salt, cinnamon, and brown sugar.

Grate the butter into the dry ingredients and use your fingers to combine until the butter forms coarse crumbs. If the butter gets too soft, quickly pop in the freezer for 1-2 minutes and then resume.

Make a well in the center of the mixture and add the mashed banana and milk. Mix with a wooden spoon until it forms a dough. If the dough is too dry, add more milk one teaspoon at a time. If the dough is too wet, add more flour one teaspoon at a time.

Stir in the chocolate chips into the dough.

Lightly flour a clean work surface and roll the dough out to an 8-inch circle. Cut into 8 wedges and place on a parchment paper-lined baking sheet.

Bake for 10-12 minutes until golden brown, and enjoy!