Dice onions, carrots, green pepper and jalapeno (if using); mince garlic.
Heat oil in heavy large pot over medium-high heat.
Add chopped veggies, sauté until softened and brown, about 5 minutes.
Add spices, tomatoes, drained beans and vegetable stock; bring to boil.
Reduce heat and simmer until chili thickens and flavors blend, stirring occasionally, about 20-30 minutes (longer if time allows).
Ladle chili into bowls. Serve with garnishes.
Serving Size 1 cup
Servings 0
* Percent Daily Values are based on a 2,000 calorie diet. Your daily value may be higher or lower depending on your calorie needs.