Heat the 2 cups of water to boiling, add the brown rice, cover and reduce to a simmer. Allow to simmer until the rice is done, approximately 10 minutes. When done, fluff with a spoon, cover, and set aside.
Sauté the onions in the oil until softened and lightly browned, approximately 3-5 minutes.
Add the green bell peppers and cook until lightly softened, approximately 3-5 minutes.
Add the chili powder, cumin, and garlic and cook, stirring constantly, for 1 minute.
Add the Mexican-style tomatoes, the beans, and the water.
Heat to a boil, then lower to a simmer and simmer 20 minutes or until the vegetables are cooked to your taste.
Spoon one fourth of the brown rice into a bowl, and top with one fourth of the chili mix. Garnish with cheese, fresh tomatoes, green onions, and cilantro and serve.