Preheat your oven to 400°F (200°C).
In a large bowl, combine cornmeal, milk, and eggs; mix until smooth.
Add black beans, corn, cheese, onion, bell pepper, chili powder, cumin, salt, and pepper to the cornmeal mixture.
Stir until all ingredients are well incorporated.
Pour the mixture into a greased baking dish.
Bake for 25-30 minutes, or until the top is golden brown.
Let it cool for a few minutes before slicing.
Serve warm, garnished with fresh herbs if desired.
Enjoy with your favorite salsa or hot sauce.
Store leftovers in an airtight container in the refrigerator.