In a large pot, sautee onion, celery, and peppers in cooking oil until soft and season with salt & pepper if desired.
Add ground beef and brown completely. Drain.
Add beans and tomatoes. Add seasonings. Stir to mix thoroughly. Simmer for 15 minutes.
Add rice, stir, and cook with lid on for 5 minutes to thicken.
Preheat oven 400 degrees.
In a casserole dish, layer 1/2 meat mixture on the bottom of dish.
Layer 1/2 shredded cheese on top of meat mixture.
Layer other 1/2 of meat mixture onto cheese.
Layer last 1/2 of cheese onto meat mixture.
Bake in oven for 15-20 minutes until cheese is golden and bubbly.
Allow to rest for 10 minutes.
Eat with tostada chips. Enjoy.