Prep Time: 5 minutes
Cook Time: 20 minutes
Cook bell pepper, onion, carrots and garlic in a large saucepan coated with cooking spray over medium heat 8 minutes.
Add tomatoes; return to a boil. Reduce heat; simmer 5 minutes or until vegetables are tender. Stir in beans; heat through, about 5 minutes.
Serve mixture over hot cooked rice topped with cheese and cilantro.