Put all dip ingredients in a large bowl. Stir to combine.
PREPARE THE DRESSING:
In a small saucepan, combine the dressing ingredients. Bring to a boil, then remove from heat and set it aside to cool. Pour the dressing over the bean mixture, and toss to combine.
Cover and refrigerate until ready to serve. Toss again just before serving. Serve with tortilla chips for scooping.