Step 1
Preheat a gas grill to medium (350°F to 400°F). Cut 4 (18- x 12-inch) sheets of heavy-duty aluminum foil; spray 1 side with cooking spray.
Step 2
Stir together beans, chiles, bell peppers, onion, oil, and 1/2 teaspoon of the salt in a bowl. Divide mixture evenly; place in the center of the sprayed side of each foil sheet. Stir together chili powder, ground cumin, and remaining 1 teaspoon salt; season pork with spice mixture. Place 1 pork chop over vegetables in each packet.
Step 3
Bring up both long sides of foil until edges meet. Fold over 1/2 inch; close and seal edges. Fold over 1/2 inch again to further seal. Fold each short side over 1 inch to close and seal edges; fold over 2 more times to completely seal. Repeat with other packets.
Step 4
Place packets on unoiled grates, folded side up. Grill, covered, 10 minutes. Rotate packets 90 degrees; cover. Continue grilling until a thermometer inserted in pork registers 140°F, about 8 minutes. Remove packets from grill; let stand 5 minutes. (Internal temperature will continue to rise to 145°F while pork stands.)
Step 5
Cut a large X across top of packets. Carefully fold back edges, allowing steam to escape. Immediately sprinkle cheese evenly over pork chops; let stand until cheese is melted, about 1 1/2 minutes. Garnish with cilantro, and serve with lime wedges.