In a large pot or Dutch oven, heat the oil over medium heat. Add the carrots, bell pepper, onion, zucchini, and garlic, sauté until slightly tender.
Add the cumin, oregano, and chili powder. Stir and cook for an additional minute or until the spices are fragrant.
Simmer:
Pour in the diced tomatoes, broth, beans, and water. Cover and simmer for 20 minutes.
Stir in the rice and simmer for an additional 20 minutes (35 minutes if using brown rice).
Serve:
Ladle the soup into bowls and top with fresh cilantro.
Notes
For the slow cooker: Throw all ingredients except the rice and cilantro (for garnish) in a slow cooker and cook, 4 hours on high or 8 on low. In the last 30 minutes of cooking, add white rice (45-50 for brown rice) and cook until rice is done. Garnish with cilantro.