Preheat your oven to 350°F (175°C). Lightly coat a 13x9 baking dish with cooking spray.

In a large skillet over medium heat, brown the ground beef for about 5-7 minutes, breaking it apart with a spatula.

Add the chopped onions and cook for an additional 3-4 minutes until translucent and fragrant.

Sprinkle in the taco seasoning, add about 1/4 cup of water, and bring to a gentle boil for 2-3 minutes.

Lower the heat and mix in the black beans and diced tomatoes with green chiles; simmer for 8-10 minutes.

Remove from heat and gently stir in the sour cream until well combined.

In the prepared baking dish, layer the bottom with Fritos, spoon half of the meat mixture over, then add shredded cheese. Repeat.

Cover with aluminum foil and bake for 15 minutes; remove foil and bake another 5 minutes until cheese is bubbly.

Let sit for a few minutes before serving. Top with additional Fritos and desired toppings.