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In a medium bowl, stir together the refried beans, ground cumin, garlic powder, and chili powder until evenly combined. Spread the seasoned beans in an even layer across the bottom of a 9x13-inch baking dish or large shallow serving dish.
In a separate bowl, stir together the sour cream, mayonnaise, and taco seasoning until smooth. Spread this mixture evenly over the bean layer.
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