In a large mixing bowl, whisk together the all-purpose flour, granulated sugar, baking powder, baking soda, fine salt, ground cinnamon, and ground nutmeg. Ensure that all dry ingredients are well combined to avoid clumps.
In a separate bowl, blend the canned pure pumpkin, milk, large egg, and melted butter (or coconut oil) using a whisk until the mixture is smooth and uniform in texture.
Gradually pour the pumpkin mixture into the bowl of dry ingredients. Stir gently with a spatula or spoon until just combined; it's important not to overmix, so some small lumps are perfectly acceptable. Carefully fold in the semi-sweet chocolate chips without breaking them up.
Preheat a non-stick skillet or griddle over medium heat. When hot, add a small amount of butter or oil, swirling it around to ensure an even coating over the cooking surface.
For each pancake, pour approximately 1/4 cup of batter onto the skillet. Cook until bubbles form on the surface of the pancakes, around 2-3 minutes.
Once bubbles appear, gently flip the pancakes using a spatula. Cook the other side for another 2-3 minutes, or until golden brown and thoroughly cooked.
Transfer the pancakes to a plate, keeping them warm by covering with a clean kitchen towel or placing them in a low oven while you cook the remaining batter. Remember to re-grease the skillet with more butter or oil as needed.
Notes
For an elegant finish, dust with powdered sugar and a sprinkle of cinnamon.