In a saucepan cook onion and garlic in hot oil until tender but not brown. Stir in chili powder, cumin, and salt. Cook for 1 minute more. Cool. Stir in beans, cooked rice, cheese, milk, and eggs.
Spray a 10-inch pie plate or quiche dish with nonstick coating. Spoon mixture into pie plate. Bake, uncovered, in a 350 degree F. oven about 25 minutes or until the center is set. Let stand 10 minutes. If desired, sprinkle with green pepper and serve with salsa. Makes 6 servings.