In a small bowl, combine chili powder, cumin and garlic powder. Sprinkle evenly over both sides of the fish and sprinkle salt and pepper to taste.
Coat a large non-stick skillet with olive oil over medium-high heat. Add the fish and cook undisturbed for several minutes per side. Fish should flake easily and be opaque throughout when done. Remove the fish from the pan and set aside.
If necessary, add another drizzle of olive oil to pan and add onion, pepper and carrots. Cook over medium-high heat, stirring occasionally until tender.
Add black beans and heat.
Layer rice, bean mixture and fish in a bowl and serve.