Author: Lisa at Cooking Bride
Heat oil in a large stock pot over medium high heat.
Add onion, bell pepper, and garlic. Cook until tender, about 8 minutes.
Stir in chili powder, cumin, and oregano.
Add all remaining ingredients except cheese. Stir well and bring to a boil.
Reduce heat to low. Simmer for 45 minutes to 1 hour, stirring occasionally.
Top with shredded cheddar if desired.