Place ground beef in a large deep pot and add garlic. Cook over medium heat until browned while breaking up into chunks with a spatula. Drain any excess grease. Add tomato sauce, chili powder, cumin, oregano, salt and cayenne pepper. Mix well. Reduce heat to low and simmer for 1 hour, stirring occasionally.

Place masa harina in a small bowl and add ½ cup water and mix together. Dump masa harina mixture into the chili. Mix well. Add beans and simmer for 10 minutes. Serve with shredded cheddar, green onions and sour cream.