Cook bacon over med-high heat for 3 minutes or until just beginning to brown.  Add onions and garlic and cook until onion is tender.

Add beans, broth, cumin, and chili powder.  Bring to a boil and reduce to a simmer for 30 minutes.

Spoon ½ of the mixture into a blender and process until smooth, but be careful when using a blender with really hot food. Keep the lid slightly cracked to release steam or you can end up with a soup explosion.  (you could also blend half of it with an immersion bender)  Return mixture to pan and combine with the other ½ of the soup.  Mix well and serve.  Serve this with sour cream, tortilla chips or strips and cheese if desired.