Heat oil in a saucepan over medium high heat. Add flour and whisk together over the heat for one minute. Stir in the remaining seasonings (chili powder through cayenne pepper). Then gradually add in the stock, whisking constantly to eliminate lumps. Reduce to low and simmer 10-15 minutes until thickened.
Use immediately or refrigerate in an air-tight container for up to two weeks.
For the Enchiladas
If you're making homemade enchilada sauce, prepare it.
Preheat oven to 350 degrees.
Add oil to a big skillet and heat over medium high heat. Add ground beef and crumble (use a potato masher to make it easier). Once ground beef is about halfway cooked, add onion, garlic, and green chiles and saute for 3-6 minutes, stirring occasionally. Drain beef mixture.
To make the enchiladas, spread a couple of tablespoons of the enchilada sauce over the tortilla. Add beans in a line down the middle of the tortilla, then add in a spoonful of the beef mixture, drizzle some extra enchilada sauce over the meat, then add ⅓ cup cheese. Roll up tortilla and place in a greased 9 x 13" baking pan. Continue with remaining tortillas.
Spread the remaining enchilada sauce over the top of the tortillas, and sprinkle with the remaining shredded cheese.
Bake uncovered for 20 minutes, broiling the last few minutes if you want the cheese to be a more golden brown. Garnish with chopped cilantro and green onions.