1Brown beef and onions in large skillet on Med-high heat; drain. Add tomatoes, corn, and chiles; mix well. Stir in all of the spices except Red Pepper. Bring to boil. Reduce heat to low; simmer 10 minutes till all the liquid is gone. Add Red pepper to taste, if desired.
2Spread 1/2 cup of the beef mixture on bottom of 13x9x2 in. baking dish sprayed with no-stick cooking spray. Take 3 tortillas, spread refried beans on each and overlapping, lay over the beef mixture. Layer with 1/2 of the remaining beef and 1/2 the cheese. Repeat with remaining tortillas, beef mixture and cheese.
3Bake in preheated 350°f oven 15 minutes or until heated through. Let stand 5 minutes before serving.
Top each serving with a dollop of sour cream.