Heat the oil in a large cast-iron or nonstick skillet over medium-high heat. Add the onion and bell pepper; cook until softened, about 5 minutes. Then add the ground turkey. Cook until no pink remains while breaking the turkey apart as it cooks, about 10 minutes.

To the turkey, add the chili powder, salt, garlic powder, oregano, cumin, red pepper flakes, paprika and cayenne; stir to combine. Add the fire-roasted tomatoes and black beans; bring to a simmer, then reduce the heat to low and cook until the liquid has reduced slightly, about 10 minutes.

Sprinkle the cheese over the top of the turkey skillet. Remove from the heat, cover, and let sit for a couple of minutes until the cheese begins to melt. Garnish with scallions, fresh herbs like cillantro or parsley, and sour cream if desired.

cover and turn the heat off. Let sit for a few minutes for the cheese to melt from the residual heat.
Serve right from the skillet with garnishes of avocado, scallions and cilantro and with tortilla chips alongside.