Cook onions in oil over low heat till translucent.
Add garlic. Cook for 1-2 minutes, careful not to burn. Add cumin and pepper. Continue cooking for 1 minute.
Add the beans all at once.
Add broth and bring to low boil.
Turn down to simmer for 20 - 25 minutes until beans are soft . As beans are simmering prepare latkes.
Preheat oven to 350 degrees F.
Mix potatoes, green pepper, onion, cheddar, matzo meal, egg, Chile powder and salt.
Spray cooking spray into a non stick sauté pan. Shape about ¼ cup of batter into latkes, flattening them in your hands.
Cook latkes over low heat, turning to prevent burning. When brown, place on sprayed baking sheet and finish in a 350 degree oven for 12- 15 minutes.
Remove beans from heat. Using a potato masher. Mash the beans.
Warm mixture on low heat until ready to serve.
When Latkes are ready serve with Black Bean Topping and sour cream. Garnish with chopped cilantro.