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 3–4 minutes until vegetables soften.
04 - Stir in taco seasoning, chili powder, black beans, corn, and diced tomatoes. Simmer 5 minutes; season with salt and pepper.
05 - Lightly grease a 9x13-inch baking dish. Place two tortillas on bottom, tearing as needed to fit.
06 - Spread one-third of meat mixture over tortillas. Sprinkle with one-fourth of cheese.
07 - Repeat layers twice more: tortillas, meat mixture, cheese. Top with final layer of tortillas and remaining cheese.
08 - Cover loosely with foil and bake 25 minutes.
09 - Remove foil and bake 10 additional minutes until cheese is bubbly and golden.
10 - Let rest 5 minutes before slicing. Garnish with cilantro, jalapeños, and sour cream if desired.