In a large skillet, brown beef until cooked through and no longer pink. Drain off excess fat. Add onion, bell pepper and garlic and sauté until onions are soft.
Add beans, tomato sauce, tomato paste, chili powder, black pepper, paprika, cumin and, if desired, optional salt and chipotle pepper. Let simmer uncovered over medium heat for 10 minutes, stirring occasionally. Taste and adjust seasonings.
Grease 2 glass or ceramic 9-inch (23 cm) pie plates and divide beef/bean mixture evenly between pans. A 9x13-inch (22 x 33 cm) casserole dish can also be used; place all the beef/bean mixture in this dish.
Preheat oven to 375°F (190°C).
In a medium bowl, mix together cornmeal, chickpea flour, rice flour, sugar, baking powder and salt, if using.
In a separate bowl, beat eggs together, then stir in milk and oil until well combined.
Add egg mixture to dry ingredients, beating just until smooth, about 1 minute. Spoon cornmeal batter over beef/bean base.
Bake until golden brown, about 30 to 35 minutes. Cut into wedges and serve with salsa, sour cream and a green salad, if desired.