Fry ground beef and onion in medium frying pan for about 5 minutes until beef is no longer pink. Add red and green peppers. Sauté for 2 minutes. Drain. You can skip this step by using Recipe #31008 from your freezer.
Add refried beans, green chilies (if using) and taco seasoning. Cook for 2 to 3 minutes, stirring often, until heated through.
Divide and spread beef mixture on each loaf half. Transfer to ungreased baking sheet.
Divide and sprinkle toppings over beef mixture. Broil about 8 inches from heat for 1 to 2 minutes until hot and cheese is melted. Each half cuts into 6 to 8 pieces, for a total of 12 to 16 pieces.