In a large saucepan over medium high heat, combine the ground beef, onion and bell peppers. Saute for about 5 minutes or until beef is browned.
Drain excess fat.
Add chili powder, garlic, bay leaf, cumin, chile peppers, tomatoes, tomato sauce, salt and pepper.
Bring to a boil and reduce heat to low.
Cover and simmer for 1 1/2 hrs., stirring occasionally. Stir in beans and heat through.
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