In a large dutch oven warm water or vegetable broth. Add onion, bell pepper, carrots, celery, 1/4 tsp. salt. Cook, stirring occasionally for 7-20 minutes or until tender.
Add the garlic, chili powder, cumin, paprika, oregano. Cook until fragrant about 1 minute.
Add the diced tomatoes and their juices, beans, vegetable broth and bay leaf. Stir to combine. Bring to a simmer and continue cooking for another 30 minutes stirring occasionally to maintain a gentle simmer.
If you would like a thicker texture you can use a potato masher or place 11/2 cups in a blender and blend until smooth.