In a medium pot, heat the oil over medium-high heat.
Add the sausage, onion and bell pepper and cook, stirring frequently, until the vegetables are softened, 3 to 5 minutes.
Add the garlic and cook for 30 seconds.
Add the beans, chicken broth, cumin, thyme, bay leaf, and pepper to taste and bring to a boil. Cover, reduce the heat to medium low and simmer for 10 minutes.
Serve the beans over the rice and top with the scallions.