01 - Preheat oven to 350°F.
02 - In a large skillet over medium heat, cook ground beef until browned. Drain excess fat.
03 - Add onion, garlic, and bell pepper to skillet. Sauté for 3–4 minutes until vegetables soften.
04 - Stir in taco seasoning, chili powder, black beans, corn, and diced tomatoes. Simmer for 5 minutes. Season with salt and pepper to taste.
05 - Lightly grease a 9x13-inch baking dish. Place two tortillas on bottom, tearing as needed to fit. Spread one-third of meat mixture over tortillas and sprinkle with one-fourth of cheese.
06 - Repeat layers twice more: tortillas, meat mixture, cheese. Top with final layer of tortillas and remaining cheese.
07 - Cover loosely with foil and bake for 25 minutes.
08 - Remove foil and bake an additional 10 minutes until cheese is bubbly and golden.
09 - Let rest for 5 minutes before slicing. Garnish with cilantro, jalapeños, and sour cream if desired.