Preheat the oven to 400°. Spray a 9x13 casserole dish with cooking spray.
Mix corn muffin mix, creamed corn, eggs, milk, chili powder, cumin, and salt. Mix until combined. Fold in half of the cheese and pour into the pan.
Bake for 20 minutes or until the top is just set. (It can have a little jiggle, but the top will look cooked.)
While the corn mixture is baking, heat oil in a large sauce pan over medium heat. Sauté onions and peppers until soft and translucent, about 10 minutes. Add corn and beans. Season with salt and pepper. Set aside.
Take the pan out of the oven, poke some holes with a fork and pour half of the enchilada sauce on top. Add the bean mixture, pour the rest of the enchilada sauce and then cover with the rest of the cheese.
Back in the oven for another 15 to 20 minutes until the cheese is melted and bubbly.
Serve with whatever toppings you like. I like shredded lettuce, sour cream, cilantro, and a squeeze of lime.