Brown the Beef. In a skillet over medium heat, cook the ground beef until it's no longer pink. Drain any excess fat.
Combine Ingredients. Transfer the cooked beef to your Crockpot. Add the beans, chopped onions, minced garlic, beef broth, diced tomatoes, and all the spices: chili powder, ground cumin, ground cinnamon, ground allspice, ground cloves, ground cayenne pepper, and bay leaf. Season with salt and pepper to taste.
Slow Cook. Stir everything together in the Crockpot until well combined. Cover and cook on low for 6-8 hours or on high for 3-4 hours. The longer it simmers, the more flavorful it becomes.
Serve and Customize. Ladle your chili into bowls and get creative with toppings. Classic options include shredded cheese, diced onions, sour cream, and oyster crackers.